Call reports 2005
BANK OF DELIGHT — 2005
What BANK OF DELIGHT 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 | 81,671,000 | 81,582,000 | 80,994,000 | 79,401,000 |
| Total loans | 52,154,000 | 53,120,000 | 53,925,000 | 53,626,000 |
| Allowance for loan losses | 692,000 | 714,000 | 715,000 | 840,000 |
| Securities available for sale | 1,005,000 | 1,001,000 | 1,001,000 | 995,000 |
| Securities held to maturity | 23,677,000 | 20,376,000 | 20,182,000 | 17,255,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,284,000 | 66,105,000 | 65,045,000 | 65,899,000 |
| Interest-bearing deposits | 60,085,000 | 60,540,000 | 59,955,000 | 60,710,000 |
| Noninterest-bearing deposits | 5,199,000 | 5,565,000 | 5,090,000 | 5,189,000 |
| Equity capital | 14,769,000 | 15,066,000 | 15,409,000 | 13,047,000 |
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 | 1,017,000 | 2,108,000 | 3,282,000 | 4,448,000 |
| Interest expense | 258,000 | 578,000 | 960,000 | 1,346,000 |
| Net interest income | 759,000 | 1,530,000 | 2,322,000 | 3,102,000 |
| Noninterest income | 30,000 | 53,000 | 80,000 | 102,000 |
| Noninterest expense | 342,000 | 661,000 | 976,000 | 1,354,000 |
| Provision for loan losses | 25,000 | 50,000 | 50,000 | 175,000 |
| Pretax income | 420,000 | 869,000 | 1,374,000 | 1,673,000 |
| Income tax | 140,000 | 290,000 | 452,000 | 535,000 |
| Net income | 280,000 | 579,000 | 922,000 | 1,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,749,000 | 15,060,000 | 15,411,000 | 13,054,000 |
| Total capital | 15,404,000 | 15,727,000 | 16,077,000 | 13,708,000 |
| Risk-weighted assets | 52,371,000 | 53,322,000 | 53,218,000 | 52,159,000 |
Machine access — free, no API key
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