Call reports 2005
IDAHO BANKING COMPANY — 2005
What IDAHO BANKING COMPANY 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 | 173,104,000 | 175,916,000 | 180,868,000 | 187,581,000 |
| Total loans | 120,141,000 | 123,332,000 | 129,921,000 | 137,285,000 |
| Allowance for loan losses | 1,812,000 | 1,893,000 | 1,934,000 | 2,015,000 |
| Securities available for sale | 23,691,000 | 21,862,000 | 21,104,000 | 21,467,000 |
| Securities held to maturity | 13,321,000 | 15,687,000 | 15,426,000 | 15,164,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,956,000 | 150,823,000 | 151,773,000 | 151,296,000 |
| Interest-bearing deposits | 126,525,000 | 125,869,000 | 123,268,000 | 120,591,000 |
| Noninterest-bearing deposits | 22,431,000 | 24,954,000 | 28,505,000 | 30,705,000 |
| Equity capital | 12,693,000 | 12,990,000 | 13,575,000 | 17,300,000 |
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 | 2,370,000 | 4,908,000 | 7,749,000 | 10,850,000 |
| Interest expense | 796,000 | 1,663,000 | 2,688,000 | 3,788,000 |
| Net interest income | 1,574,000 | 3,245,000 | 5,061,000 | 7,062,000 |
| Noninterest income | 279,000 | 634,000 | 1,116,000 | 1,460,000 |
| Noninterest expense | 1,421,000 | 3,055,000 | 4,832,000 | 6,587,000 |
| Provision for loan losses | 40,000 | 0 | 20,000 | 150,000 |
| Pretax income | 392,000 | 824,000 | 1,325,000 | 1,785,000 |
| Income tax | 122,000 | 259,000 | 426,000 | 531,000 |
| Net income | 270,000 | 565,000 | 899,000 | 1,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,863,000 | 13,109,000 | 13,712,000 | 17,503,000 |
| Total capital | 14,607,000 | 14,911,000 | 15,630,000 | 19,511,000 |
| Risk-weighted assets | 139,439,000 | 144,015,000 | 153,385,000 | 160,600,000 |