Call reports 2005
GORDON BANK, THE — 2005
What GORDON BANK, THE 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 | 38,323,000 | 39,717,000 | 40,732,000 | 40,327,000 |
| Total loans | 25,264,000 | 24,540,000 | 28,605,000 | 29,437,000 |
| Allowance for loan losses | 795,000 | 813,000 | 701,000 | 724,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,999,000 | 8,641,000 | 8,148,000 | 7,782,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,344,000 | 30,671,000 | 31,556,000 | 31,119,000 |
| Interest-bearing deposits | 24,326,000 | 24,052,000 | 24,868,000 | 24,938,000 |
| Noninterest-bearing deposits | 7,018,000 | 6,619,000 | 6,688,000 | 6,181,000 |
| Equity capital | 6,933,000 | 6,973,000 | 7,075,000 | 7,121,000 |
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 | 543,000 | 1,118,000 | 1,729,000 | 2,395,000 |
| Interest expense | 71,000 | 159,000 | 268,000 | 428,000 |
| Net interest income | 472,000 | 959,000 | 1,461,000 | 1,967,000 |
| Noninterest income | 96,000 | 202,000 | 330,000 | 472,000 |
| Noninterest expense | 461,000 | 896,000 | 1,339,000 | 1,802,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 92,000 | 235,000 | 407,000 | 577,000 |
| Income tax | 37,000 | 94,000 | 164,000 | 232,000 |
| Net income | 55,000 | 141,000 | 243,000 | 345,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,548,000 | 6,599,000 | 6,711,000 | 6,768,000 |
| Total capital | 6,875,000 | 6,921,000 | 7,077,000 | 7,140,000 |
| Risk-weighted assets | 25,726,000 | 25,281,000 | 28,921,000 | 29,420,000 |