Call reports 2005
COWBOY BANK — 2005
What COWBOY 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 | 153,059,000 | 141,404,000 | 149,150,000 | 161,280,000 |
| Total loans | 137,709,000 | 122,754,000 | 126,627,000 | 141,885,000 |
| Allowance for loan losses | 774,000 | 715,000 | 726,000 | 1,001,000 |
| Securities available for sale | 5,461,000 | 7,035,000 | 5,891,000 | 5,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,875,000 | 117,942,000 | 123,998,000 | 132,575,000 |
| Interest-bearing deposits | 115,078,000 | 101,074,000 | 106,687,000 | 114,346,000 |
| Noninterest-bearing deposits | 15,797,000 | 16,868,000 | 17,311,000 | 18,229,000 |
| Equity capital | 14,376,000 | 14,204,000 | 14,937,000 | 15,492,000 |
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 | 2,345,000 | 4,753,000 | 7,186,000 | 9,971,000 |
| Interest expense | 683,000 | 1,387,000 | 2,160,000 | 3,134,000 |
| Net interest income | 1,662,000 | 3,366,000 | 5,026,000 | 6,837,000 |
| Noninterest income | 318,000 | 578,000 | 857,000 | 1,109,000 |
| Noninterest expense | 832,000 | 1,674,000 | 2,575,000 | 3,608,000 |
| Provision for loan losses | 125,000 | 125,000 | 125,000 | 472,000 |
| Pretax income | 1,023,000 | 2,147,000 | 3,185,000 | 3,868,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,023,000 | 2,147,000 | 3,185,000 | 3,868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,326,000 | 14,135,000 | 14,898,000 | 15,504,000 |
| Total capital | 15,100,000 | 14,850,000 | 15,624,000 | 16,505,000 |
| Risk-weighted assets | 140,793,000 | 124,686,000 | 130,815,000 | 145,992,000 |