Call reports 2005
BEACH BANK — 2005
What BEACH 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 | 332,395,000 | 381,445,000 | 394,705,000 | 467,445,000 |
| Total loans | 236,270,000 | 286,219,000 | 318,577,000 | 349,891,000 |
| Allowance for loan losses | 2,843,000 | 3,160,000 | 3,281,000 | 3,453,000 |
| Securities available for sale | 44,457,000 | 52,814,000 | 56,438,000 | 62,674,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,738,000 | 308,795,000 | 332,623,000 | 405,297,000 |
| Interest-bearing deposits | 257,148,000 | 274,380,000 | 296,869,000 | 371,348,000 |
| Noninterest-bearing deposits | 29,590,000 | 34,415,000 | 35,754,000 | 33,949,000 |
| Equity capital | 25,126,000 | 26,313,000 | 29,687,000 | 33,915,000 |
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 | 4,521,000 | 10,201,000 | 16,854,000 | 24,476,000 |
| Interest expense | 1,519,000 | 3,525,000 | 6,070,000 | 9,216,000 |
| Net interest income | 3,002,000 | 6,676,000 | 10,784,000 | 15,260,000 |
| Noninterest income | 154,000 | 320,000 | 497,000 | 860,000 |
| Noninterest expense | 1,484,000 | 3,127,000 | 4,952,000 | 7,024,000 |
| Provision for loan losses | 359,000 | 896,000 | 1,021,000 | 1,196,000 |
| Pretax income | 1,313,000 | 2,973,000 | 5,308,000 | 7,898,000 |
| Income tax | 495,000 | 1,120,000 | 2,001,000 | 2,978,000 |
| Net income | 818,000 | 1,853,000 | 3,307,000 | 4,920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,536,000 | 26,571,000 | 30,025,000 | 34,638,000 |
| Total capital | 28,379,000 | 29,731,000 | 33,306,000 | 38,091,000 |
| Risk-weighted assets | 251,534,000 | 297,442,000 | 326,607,000 | 363,641,000 |