Call reports 2005
BANK OF WARRENSBURG — 2005
What BANK OF WARRENSBURG 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 | 8,566,000 | 8,932,000 | 9,648,000 | 9,505,000 |
| Total loans | 6,546,000 | 6,945,000 | 7,219,000 | 7,042,000 |
| Allowance for loan losses | 63,000 | 61,000 | 62,000 | 63,000 |
| Securities available for sale | 1,166,000 | 1,165,000 | 1,156,000 | 1,138,000 |
| Securities held to maturity | 197,000 | 196,000 | 195,000 | 194,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,209,000 | 7,039,000 | 7,424,000 | 7,323,000 |
| Interest-bearing deposits | 5,667,000 | 5,578,000 | 5,907,000 | 5,821,000 |
| Noninterest-bearing deposits | 1,542,000 | 1,461,000 | 1,517,000 | 1,502,000 |
| Equity capital | 1,345,000 | 1,372,000 | 1,395,000 | 1,347,000 |
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 | 131,000 | 272,000 | 421,000 | 579,000 |
| Interest expense | 22,000 | 47,000 | 80,000 | 119,000 |
| Net interest income | 109,000 | 225,000 | 341,000 | 460,000 |
| Noninterest income | 17,000 | 32,000 | 50,000 | 66,000 |
| Noninterest expense | 95,000 | 193,000 | 289,000 | 395,000 |
| Provision for loan losses | 2,000 | 3,000 | 6,000 | 7,000 |
| Pretax income | 29,000 | 61,000 | 96,000 | 124,000 |
| Income tax | 7,000 | 15,000 | 24,000 | 28,000 |
| Net income | 22,000 | 46,000 | 72,000 | 96,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,346,000 | 1,370,000 | 1,396,000 | 1,354,000 |
| Total capital | 1,409,000 | 1,431,000 | 1,458,000 | 1,417,000 |
| Risk-weighted assets | 5,686,000 | 6,084,000 | 6,431,000 | 6,369,000 |