Call reports 2005
WOODHOUSE & BARTLEY BANK, THE — 2005
What WOODHOUSE & BARTLEY BANK, THE 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 | 24,586,000 | 24,295,000 | 26,051,000 | 24,912,000 |
| Total loans | 12,645,000 | 13,154,000 | 13,447,000 | 13,090,000 |
| Allowance for loan losses | 304,000 | 304,000 | 304,000 | 304,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,151,000 | 5,929,000 | 3,930,000 | 4,007,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,700,000 | 21,310,000 | 22,978,000 | 21,822,000 |
| Interest-bearing deposits | 17,889,000 | 18,000,000 | 17,227,000 | 17,025,000 |
| Noninterest-bearing deposits | 3,811,000 | 3,310,000 | 5,751,000 | 4,797,000 |
| Equity capital | 2,805,000 | 2,860,000 | 2,931,000 | 3,020,000 |
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 | 268,000 | 551,000 | 855,000 | 1,172,000 |
| Interest expense | 70,000 | 144,000 | 226,000 | 308,000 |
| Net interest income | 198,000 | 407,000 | 629,000 | 864,000 |
| Noninterest income | 27,000 | 36,000 | 44,000 | 57,000 |
| Noninterest expense | 75,000 | 173,000 | 292,000 | 432,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 150,000 | 270,000 | 381,000 | 489,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 150,000 | 270,000 | 381,000 | 489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,805,000 | 2,860,000 | 2,931,000 | 3,020,000 |
| Total capital | 2,976,000 | 3,036,000 | 3,120,000 | 3,202,000 |
| Risk-weighted assets | 13,561,000 | 13,973,000 | 14,992,000 | 14,432,000 |