Call reports 2005
CENTRAL BANK — 2005
What CENTRAL 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 | 87,844,000 | 92,685,000 | 96,403,000 | 101,561,000 |
| Total loans | 57,369,000 | 60,376,000 | 68,039,000 | 71,432,000 |
| Allowance for loan losses | 720,000 | 717,000 | 684,000 | 717,000 |
| Securities available for sale | 16,527,000 | 17,268,000 | 16,272,000 | 14,332,000 |
| Securities held to maturity | 3,911,000 | 3,631,000 | 3,346,000 | 3,320,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,118,000 | 76,465,000 | 79,763,000 | 80,805,000 |
| Interest-bearing deposits | 62,436,000 | 65,228,000 | 68,088,000 | 68,114,000 |
| Noninterest-bearing deposits | 9,682,000 | 11,237,000 | 11,675,000 | 12,691,000 |
| Equity capital | 10,531,000 | 10,737,000 | 10,983,000 | 10,932,000 |
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 | 1,248,000 | 2,501,000 | 3,982,000 | 5,552,000 |
| Interest expense | 358,000 | 786,000 | 1,301,000 | 1,910,000 |
| Net interest income | 890,000 | 1,715,000 | 2,681,000 | 3,642,000 |
| Noninterest income | 269,000 | 552,000 | 815,000 | 1,042,000 |
| Noninterest expense | 862,000 | 1,707,000 | 2,567,000 | 3,538,000 |
| Provision for loan losses | 0 | 0 | 12,000 | 55,000 |
| Pretax income | 297,000 | 560,000 | 917,000 | 1,091,000 |
| Income tax | 97,000 | 177,000 | 286,000 | 355,000 |
| Net income | 200,000 | 383,000 | 631,000 | 736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,610,000 | 10,793,000 | 11,040,000 | 11,024,000 |
| Total capital | 11,330,000 | 11,510,000 | 11,724,000 | 11,741,000 |
| Risk-weighted assets | 60,375,000 | 57,949,000 | 67,450,000 | 71,160,000 |
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