Call reports 2005
BANK OF HOLLY SPRINGS, THE — 2005
What BANK OF HOLLY SPRINGS, 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 | 138,336,000 | 138,298,000 | 137,105,000 | 136,821,000 |
| Total loans | 90,117,000 | 93,218,000 | 97,983,000 | 99,553,000 |
| Allowance for loan losses | 1,501,000 | 1,538,000 | 1,586,000 | 1,573,000 |
| Securities available for sale | 11,450,000 | 12,036,000 | 11,643,000 | 10,240,000 |
| Securities held to maturity | 15,178,000 | 14,534,000 | 13,863,000 | 13,638,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,142,000 | 118,213,000 | 116,216,000 | 116,688,000 |
| Interest-bearing deposits | 102,546,000 | 102,133,000 | 100,333,000 | 101,112,000 |
| Noninterest-bearing deposits | 14,596,000 | 16,080,000 | 15,883,000 | 15,576,000 |
| Equity capital | 18,564,000 | 17,507,000 | 18,080,000 | 17,424,000 |
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 | 2,190,000 | 4,529,000 | 6,934,000 | 9,415,000 |
| Interest expense | 491,000 | 1,037,000 | 1,624,000 | 2,265,000 |
| Net interest income | 1,699,000 | 3,492,000 | 5,310,000 | 7,150,000 |
| Noninterest income | 295,000 | 654,000 | 1,007,000 | 1,429,000 |
| Noninterest expense | 1,200,000 | 2,413,000 | 3,610,000 | 5,077,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 764,000 | 1,673,000 | 2,617,000 | 3,382,000 |
| Income tax | 270,000 | 566,000 | 876,000 | 1,176,000 |
| Net income | 494,000 | 1,107,000 | 1,741,000 | 2,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,671,000 | 17,476,000 | 18,109,000 | 17,575,000 |
| Total capital | 19,792,000 | 18,606,000 | 19,293,000 | 18,780,000 |
| Risk-weighted assets | 89,477,000 | 90,021,000 | 94,287,000 | 96,030,000 |