Call reports 2005
FOUNDATION ONE BANK — 2005
What FOUNDATION ONE BANK 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 | 14,440,000 | 15,081,000 | 14,302,000 | 14,286,000 |
| Total loans | 7,976,000 | 7,753,000 | 7,964,000 | 8,319,000 |
| Allowance for loan losses | 239,000 | 221,000 | 223,000 | 222,000 |
| Securities available for sale | 2,851,000 | 3,120,000 | 3,209,000 | 3,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,449,000 | 14,029,000 | 13,236,000 | 13,211,000 |
| Interest-bearing deposits | 8,400,000 | 8,132,000 | 8,269,000 | 8,150,000 |
| Noninterest-bearing deposits | 5,049,000 | 5,897,000 | 4,967,000 | 5,061,000 |
| Equity capital | 964,000 | 1,029,000 | 1,040,000 | 1,036,000 |
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 | 187,000 | 391,000 | 603,000 | 824,000 |
| Interest expense | 32,000 | 66,000 | 97,000 | 136,000 |
| Net interest income | 155,000 | 325,000 | 506,000 | 688,000 |
| Noninterest income | 38,000 | 148,000 | 204,000 | 248,000 |
| Noninterest expense | 200,000 | 414,000 | 622,000 | 830,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -7,000 | 59,000 | 88,000 | 106,000 |
| Income tax | 1,000 | 12,000 | 20,000 | 35,000 |
| Net income | -8,000 | 47,000 | 68,000 | 71,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 921,000 | 993,000 | 1,055,000 | 1,036,000 |
| Total capital | 1,026,000 | 1,100,000 | 1,160,000 | 1,145,000 |
| Risk-weighted assets | 8,293,000 | 8,465,000 | 8,290,000 | 8,591,000 |
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