Call reports 2005
FOUNDATION BANK — 2005
What FOUNDATION 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 | 199,287,000 | 201,716,000 | 198,982,000 | 206,080,000 |
| Total loans | 133,754,000 | 140,589,000 | 148,609,000 | 148,909,000 |
| Allowance for loan losses | 1,878,000 | 2,016,000 | 2,155,000 | 2,310,000 |
| Securities available for sale | 43,040,000 | 41,335,000 | 37,884,000 | 33,741,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 160,482,000 | 170,261,000 | 169,485,000 | 170,701,000 |
| Interest-bearing deposits | 111,409,000 | 115,281,000 | 108,895,000 | 119,959,000 |
| Noninterest-bearing deposits | 49,073,000 | 54,980,000 | 60,590,000 | 50,742,000 |
| Equity capital | 16,162,000 | 16,814,000 | 17,115,000 | 16,814,000 |
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 | 2,579,000 | 5,364,000 | 8,519,000 | 11,889,000 |
| Interest expense | 562,000 | 1,193,000 | 1,981,000 | 2,879,000 |
| Net interest income | 2,017,000 | 4,171,000 | 6,538,000 | 9,010,000 |
| Noninterest income | 60,000 | 128,000 | 185,000 | 185,000 |
| Noninterest expense | 1,186,000 | 2,457,000 | 3,769,000 | 5,182,000 |
| Provision for loan losses | 315,000 | 705,000 | 1,200,000 | 2,710,000 |
| Pretax income | 576,000 | 1,137,000 | 1,754,000 | 1,303,000 |
| Income tax | 196,000 | 365,000 | 575,000 | 424,000 |
| Net income | 380,000 | 772,000 | 1,179,000 | 879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,786,000 | 17,178,000 | 17,586,000 | 17,286,000 |
| Total capital | 18,632,000 | 19,155,000 | 19,693,000 | 19,408,000 |
| Risk-weighted assets | 147,105,000 | 158,118,000 | 168,526,000 | 169,601,000 |