Call reports 2005
HOLCOMB BANK — 2005
What HOLCOMB 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 | 89,085,000 | 93,097,000 | 98,772,000 | 98,617,000 |
| Total loans | 61,326,000 | 64,757,000 | 65,750,000 | 66,718,000 |
| Allowance for loan losses | 1,183,000 | 1,211,000 | 1,238,000 | 1,236,000 |
| Securities available for sale | 501,000 | 0 | 1,500,000 | 1,486,000 |
| Securities held to maturity | 16,723,000 | 15,782,000 | 14,673,000 | 14,103,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,810,000 | 82,537,000 | 88,058,000 | 87,905,000 |
| Interest-bearing deposits | 66,898,000 | 70,281,000 | 75,342,000 | 71,890,000 |
| Noninterest-bearing deposits | 11,912,000 | 12,256,000 | 12,716,000 | 16,015,000 |
| Equity capital | 9,717,000 | 9,872,000 | 10,011,000 | 9,978,000 |
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 | 1,150,000 | 2,396,000 | 3,710,000 | 5,115,000 |
| Interest expense | 254,000 | 576,000 | 1,003,000 | 1,488,000 |
| Net interest income | 896,000 | 1,820,000 | 2,707,000 | 3,627,000 |
| Noninterest income | 127,000 | 276,000 | 440,000 | 570,000 |
| Noninterest expense | 761,000 | 1,511,000 | 2,255,000 | 3,064,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 232,000 | 525,000 | 802,000 | 1,013,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 10,000 |
| Net income | 229,000 | 519,000 | 793,000 | 1,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,700,000 | 9,854,000 | 9,993,000 | 9,960,000 |
| Total capital | 10,559,000 | 10,733,000 | 10,929,000 | 10,903,000 |
| Risk-weighted assets | 68,429,000 | 69,952,000 | 74,583,000 | 75,124,000 |
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