Call reports 2005
ENVISION BANK — 2005
What ENVISION 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 | 365,366,000 | 369,201,000 | 372,014,000 | 371,110,000 |
| Total loans | 226,966,000 | 229,410,000 | 232,940,000 | 240,141,000 |
| Allowance for loan losses | 1,939,000 | 1,998,000 | 2,060,000 | 2,079,000 |
| Securities available for sale | 103,537,000 | 95,181,000 | 90,554,000 | 86,358,000 |
| Securities held to maturity | 5,020,000 | 5,015,000 | 10,970,000 | 10,965,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,454,000 | 328,966,000 | 329,841,000 | 328,584,000 |
| Interest-bearing deposits | 299,064,000 | 306,817,000 | 307,536,000 | 306,171,000 |
| Noninterest-bearing deposits | 21,390,000 | 22,149,000 | 22,305,000 | 22,413,000 |
| Equity capital | 31,413,000 | 32,611,000 | 32,430,000 | 32,646,000 |
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 | 4,320,000 | 8,739,000 | 13,226,000 | 17,858,000 |
| Interest expense | 1,251,000 | 2,615,000 | 4,119,000 | 5,772,000 |
| Net interest income | 3,069,000 | 6,124,000 | 9,107,000 | 12,086,000 |
| Noninterest income | 535,000 | 1,090,000 | 1,661,000 | 2,277,000 |
| Noninterest expense | 2,714,000 | 5,474,000 | 8,253,000 | 11,094,000 |
| Provision for loan losses | 60,000 | 119,000 | 176,000 | 195,000 |
| Pretax income | 830,000 | 1,548,000 | 2,266,000 | 3,001,000 |
| Income tax | 269,000 | 497,000 | 723,000 | 883,000 |
| Net income | 561,000 | 1,051,000 | 1,543,000 | 2,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,635,000 | 33,153,000 | 33,626,000 | 34,174,000 |
| Total capital | 34,574,000 | 35,151,000 | 35,686,000 | 36,253,000 |
| Risk-weighted assets | 215,503,000 | 218,139,000 | 226,659,000 | 229,547,000 |