Call reports 2005
BAKER BOYER NATIONAL BANK — 2005
What BAKER BOYER NATIONAL 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 | 389,437,000 | 376,957,000 | 377,810,000 | 379,833,000 |
| Total loans | 254,477,000 | 255,652,000 | 257,405,000 | 253,157,000 |
| Allowance for loan losses | 2,451,000 | 2,956,000 | 3,088,000 | 3,134,000 |
| Securities available for sale | 69,478,000 | 68,385,000 | 66,343,000 | 62,448,000 |
| Securities held to maturity | 32,969,000 | 32,382,000 | 32,048,000 | 28,049,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 343,980,000 | 334,799,000 | 330,494,000 | 338,620,000 |
| Interest-bearing deposits | 275,117,000 | 268,940,000 | 258,827,000 | 269,047,000 |
| Noninterest-bearing deposits | 68,863,000 | 65,859,000 | 71,667,000 | 69,573,000 |
| Equity capital | 31,631,000 | 31,814,000 | 32,276,000 | 32,468,000 |
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 | 4,948,000 | 10,022,000 | 15,249,000 | 20,556,000 |
| Interest expense | 1,046,000 | 2,180,000 | 3,494,000 | 4,894,000 |
| Net interest income | 3,902,000 | 7,842,000 | 11,755,000 | 15,662,000 |
| Noninterest income | 1,571,000 | 3,152,000 | 4,830,000 | 6,560,000 |
| Noninterest expense | 3,791,000 | 7,502,000 | 11,255,000 | 15,193,000 |
| Provision for loan losses | 165,000 | 915,000 | 1,080,000 | 1,200,000 |
| Pretax income | 1,517,000 | 2,561,000 | 4,234,000 | 5,813,000 |
| Income tax | 369,000 | 626,000 | 1,022,000 | 1,412,000 |
| Net income | 1,148,000 | 1,935,000 | 3,212,000 | 4,401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,920,000 | 31,887,000 | 32,344,000 | 32,714,000 |
| Total capital | 34,611,000 | 35,087,000 | 35,688,000 | 36,070,000 |
| Risk-weighted assets | 282,266,000 | 279,455,000 | 278,930,000 | 284,114,000 |