Call reports 2005
ANDALUSIA COMMUNITY BANK — 2005
What ANDALUSIA COMMUNITY 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 | 23,890,000 | 24,521,000 | 25,058,000 | 24,813,000 |
| Total loans | 10,837,000 | 11,319,000 | 12,319,000 | 12,275,000 |
| Allowance for loan losses | 115,000 | 126,000 | 122,000 | 123,000 |
| Securities available for sale | 6,362,000 | 7,489,000 | 7,490,000 | 7,188,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,817,000 | 20,307,000 | 20,688,000 | 20,481,000 |
| Interest-bearing deposits | 17,339,000 | 17,357,000 | 17,542,000 | 17,771,000 |
| Noninterest-bearing deposits | 2,478,000 | 2,950,000 | 3,146,000 | 2,710,000 |
| Equity capital | 3,898,000 | 4,003,000 | 4,070,000 | 4,140,000 |
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 | 312,000 | 651,000 | 996,000 | 1,370,000 |
| Interest expense | 88,000 | 182,000 | 291,000 | 397,000 |
| Net interest income | 224,000 | 469,000 | 705,000 | 973,000 |
| Noninterest income | 51,000 | 113,000 | 171,000 | 231,000 |
| Noninterest expense | 181,000 | 355,000 | 525,000 | 717,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 94,000 | 227,000 | 351,000 | 487,000 |
| Income tax | 24,000 | 65,000 | 103,000 | 134,000 |
| Net income | 70,000 | 162,000 | 248,000 | 353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,885,000 | 3,977,000 | 4,062,000 | 4,167,000 |
| Total capital | 4,000,000 | 4,103,000 | 4,184,000 | 4,290,000 |
| Risk-weighted assets | 12,419,000 | 13,001,000 | 13,600,000 | 13,275,000 |