Call reports 2005
BANK OF THE SAN JUANS — 2005
What BANK OF THE SAN JUANS 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 | 98,675,000 | 105,037,000 | 104,132,000 | 108,613,000 |
| Total loans | 80,114,000 | 81,432,000 | 82,919,000 | 85,854,000 |
| Allowance for loan losses | 694,000 | 693,000 | 693,000 | 575,000 |
| Securities available for sale | 2,488,000 | 2,439,000 | 2,386,000 | 1,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,377,000 | 95,488,000 | 95,279,000 | 99,376,000 |
| Interest-bearing deposits | 72,741,000 | 75,079,000 | 73,336,000 | 74,439,000 |
| Noninterest-bearing deposits | 16,636,000 | 20,409,000 | 21,943,000 | 24,937,000 |
| Equity capital | 8,035,000 | 8,339,000 | 8,677,000 | 8,940,000 |
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 | 1,475,000 | 2,984,000 | 4,678,000 | 6,525,000 |
| Interest expense | 254,000 | 590,000 | 996,000 | 1,452,000 |
| Net interest income | 1,221,000 | 2,394,000 | 3,682,000 | 5,073,000 |
| Noninterest income | 161,000 | 399,000 | 595,000 | 810,000 |
| Noninterest expense | 872,000 | 1,768,000 | 2,706,000 | 3,853,000 |
| Provision for loan losses | 34,000 | 34,000 | 34,000 | -80,000 |
| Pretax income | 476,000 | 991,000 | 1,537,000 | 2,110,000 |
| Income tax | 174,000 | 365,000 | 551,000 | 764,000 |
| Net income | 302,000 | 626,000 | 986,000 | 1,346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,027,000 | 8,332,000 | 8,672,000 | 8,937,000 |
| Total capital | 8,721,000 | 9,025,000 | 9,365,000 | 9,512,000 |
| Risk-weighted assets | 84,263,000 | 86,559,000 | 87,275,000 | 91,386,000 |