Call reports 2005
TOWN SQUARE BANK INC. — 2005
What TOWN SQUARE BANK INC. 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 | 126,973,000 | 127,185,000 | 128,559,000 | 128,878,000 |
| Total loans | 101,738,000 | 101,787,000 | 99,145,000 | 100,652,000 |
| Allowance for loan losses | 1,828,000 | 1,889,000 | 1,797,000 | 1,620,000 |
| Securities available for sale | 9,150,000 | 9,003,000 | 8,597,000 | 9,221,000 |
| Securities held to maturity | 75,000 | 75,000 | 228,000 | 313,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,606,000 | 112,136,000 | 113,343,000 | 113,667,000 |
| Interest-bearing deposits | 94,062,000 | 93,910,000 | 91,855,000 | 92,201,000 |
| Noninterest-bearing deposits | 16,544,000 | 18,226,000 | 21,488,000 | 21,466,000 |
| Equity capital | 10,630,000 | 10,936,000 | 11,198,000 | 11,257,000 |
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 | 1,982,000 | 3,983,000 | 6,031,000 | 8,197,000 |
| Interest expense | 643,000 | 1,291,000 | 1,967,000 | 2,678,000 |
| Net interest income | 1,339,000 | 2,692,000 | 4,064,000 | 5,519,000 |
| Noninterest income | 214,000 | 435,000 | 678,000 | 905,000 |
| Noninterest expense | 1,055,000 | 2,037,000 | 3,100,000 | 4,317,000 |
| Provision for loan losses | 90,000 | 382,000 | 472,000 | 778,000 |
| Pretax income | 408,000 | 708,000 | 1,170,000 | 1,329,000 |
| Income tax | 139,000 | 240,000 | 397,000 | 455,000 |
| Net income | 269,000 | 468,000 | 773,000 | 874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,763,000 | 10,961,000 | 11,266,000 | 11,424,000 |
| Total capital | 12,046,000 | 12,251,000 | 12,603,000 | 12,813,000 |
| Risk-weighted assets | 102,064,000 | 101,807,000 | 105,766,000 | 110,110,000 |