Call reports 2005
IRON AND GLASS BANK — 2005
What IRON AND GLASS 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 | 284,388,000 | 284,573,000 | 291,954,000 | 293,114,000 |
| Total loans | 168,525,000 | 164,727,000 | 170,403,000 | 165,886,000 |
| Allowance for loan losses | 1,725,000 | 1,878,000 | 1,964,000 | 1,785,000 |
| Securities available for sale | 25,049,000 | 31,298,000 | 35,984,000 | 39,348,000 |
| Securities held to maturity | 75,271,000 | 71,651,000 | 69,672,000 | 70,968,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,432,000 | 241,717,000 | 247,289,000 | 239,538,000 |
| Interest-bearing deposits | 205,149,000 | 204,437,000 | 208,899,000 | 201,308,000 |
| Noninterest-bearing deposits | 37,283,000 | 37,280,000 | 38,390,000 | 38,230,000 |
| Equity capital | 31,450,000 | 32,695,000 | 33,654,000 | 33,636,000 |
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 | 4,114,000 | 8,350,000 | 12,565,000 | 16,859,000 |
| Interest expense | 1,168,000 | 2,408,000 | 3,705,000 | 5,127,000 |
| Net interest income | 2,946,000 | 5,942,000 | 8,860,000 | 11,732,000 |
| Noninterest income | 345,000 | 640,000 | 923,000 | 1,174,000 |
| Noninterest expense | 1,864,000 | 3,655,000 | 5,388,000 | 7,114,000 |
| Provision for loan losses | 180,000 | 320,000 | 440,000 | 535,000 |
| Pretax income | 1,247,000 | 2,607,000 | 3,955,000 | 5,257,000 |
| Income tax | 358,000 | 746,000 | 989,000 | 1,353,000 |
| Net income | 889,000 | 1,861,000 | 2,966,000 | 3,904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,758,000 | 31,744,000 | 32,774,000 | 33,402,000 |
| Total capital | 32,483,000 | 33,622,000 | 34,738,000 | 35,187,000 |
| Risk-weighted assets | 198,230,000 | 204,468,000 | 213,837,000 | 211,938,000 |
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