Call reports 2005
BANK OF HOLLAND — 2005
What BANK OF HOLLAND 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 | 67,190,000 | 65,396,000 | 66,215,000 | 66,282,000 |
| Total loans | 49,725,000 | 49,959,000 | 50,408,000 | 50,409,000 |
| Allowance for loan losses | 663,000 | 675,000 | 687,000 | 700,000 |
| Securities available for sale | 6,773,000 | 6,965,000 | 6,742,000 | 7,072,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,512,000 | 57,639,000 | 58,348,000 | 58,528,000 |
| Interest-bearing deposits | 50,831,000 | 48,644,000 | 48,710,000 | 49,051,000 |
| Noninterest-bearing deposits | 8,681,000 | 8,995,000 | 9,638,000 | 9,477,000 |
| Equity capital | 7,243,000 | 7,336,000 | 7,463,000 | 7,393,000 |
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 | 893,000 | 1,818,000 | 2,771,000 | 3,736,000 |
| Interest expense | 257,000 | 542,000 | 844,000 | 1,168,000 |
| Net interest income | 636,000 | 1,276,000 | 1,927,000 | 2,568,000 |
| Noninterest income | 87,000 | 184,000 | 300,000 | 384,000 |
| Noninterest expense | 552,000 | 1,080,000 | 1,642,000 | 2,212,000 |
| Provision for loan losses | 42,000 | 56,000 | 77,000 | 193,000 |
| Pretax income | 129,000 | 324,000 | 508,000 | 712,000 |
| Income tax | 44,000 | 88,000 | 134,000 | 197,000 |
| Net income | 85,000 | 236,000 | 374,000 | 515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,786,000 | 6,854,000 | 6,992,000 | 7,021,000 |
| Total capital | 7,399,000 | 7,460,000 | 7,613,000 | 7,638,000 |
| Risk-weighted assets | 48,970,000 | 48,384,000 | 49,624,000 | 49,313,000 |
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