Call reports 2005
SILVER FALLS BANK — 2005
What SILVER FALLS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 61,728,000 | 66,746,000 | 78,242,000 | 83,003,000 |
| Total loans | 53,206,000 | 57,893,000 | 70,164,000 | 73,957,000 |
| Allowance for loan losses | 642,000 | 703,000 | 677,000 | 735,000 |
| Securities available for sale | 2,705,000 | 2,721,000 | 2,713,000 | 2,705,000 |
| Securities held to maturity | 850,000 | 850,000 | 850,000 | 850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,792,000 | 57,931,000 | 63,939,000 | 69,363,000 |
| Interest-bearing deposits | 51,048,000 | 54,283,000 | 59,274,000 | 63,255,000 |
| Noninterest-bearing deposits | 2,744,000 | 3,648,000 | 4,665,000 | 6,108,000 |
| Equity capital | 7,269,000 | 7,518,000 | 7,798,000 | 8,122,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,120,000 | 2,534,000 | 4,240,000 | 5,900,000 |
| Interest expense | 259,000 | 601,000 | 1,046,000 | 1,592,000 |
| Net interest income | 861,000 | 1,933,000 | 3,194,000 | 4,308,000 |
| Noninterest income | 39,000 | 76,000 | 110,000 | 118,000 |
| Noninterest expense | 520,000 | 1,164,000 | 1,838,000 | 2,448,000 |
| Provision for loan losses | 57,000 | 161,000 | 312,000 | 347,000 |
| Pretax income | 323,000 | 684,000 | 1,156,000 | 1,633,000 |
| Income tax | 119,000 | 247,000 | 430,000 | 593,000 |
| Net income | 204,000 | 437,000 | 726,000 | 1,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,313,000 | 7,546,000 | 7,835,000 | 8,122,000 |
| Total capital | 7,951,000 | 8,240,000 | 8,512,000 | 8,857,000 |
| Risk-weighted assets | 50,254,000 | 54,719,000 | 65,896,000 | 69,493,000 |