Call reports 2005
BB&T FINANCIAL, FSB — 2005
What BB&T FINANCIAL, FSB 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 | 115,808,000 | 136,335,000 | 118,459,000 | 181,742,000 |
| Total loans | 102,304,000 | 105,835,000 | 107,998,000 | 113,124,000 |
| Allowance for loan losses | 4,852,000 | 5,168,000 | 5,282,000 | 5,472,000 |
| Securities available for sale | 1,024,000 | 1,033,000 | 1,024,000 | 1,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 667,000 | 606,000 | 604,000 | 622,000 |
| Interest-bearing deposits | 0 | 0 | 0 | 0 |
| Noninterest-bearing deposits | 667,000 | 606,000 | 604,000 | 622,000 |
| Equity capital | 16,371,000 | 17,531,000 | 18,799,000 | 19,964,000 |
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 | 3,077,000 | 5,830,000 | 8,787,000 | 11,735,000 |
| Interest expense | 488,000 | 1,114,000 | 1,874,000 | 2,838,000 |
| Net interest income | 2,589,000 | 4,716,000 | 6,913,000 | 8,897,000 |
| Noninterest income | 2,489,000 | 5,254,000 | 8,126,000 | 11,079,000 |
| Noninterest expense | 1,990,000 | 3,778,000 | 5,672,000 | 7,617,000 |
| Provision for loan losses | 492,000 | 1,666,000 | 2,704,000 | 3,990,000 |
| Pretax income | 2,596,000 | 4,526,000 | 6,663,000 | 8,369,000 |
| Income tax | 1,045,000 | 1,820,000 | 2,685,000 | 3,225,000 |
| Net income | 1,551,000 | 2,706,000 | 3,978,000 | 5,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,347,000 | 16,555,000 | 17,882,000 | 19,101,000 |
| Total capital | 16,827,000 | 18,120,000 | 19,388,000 | 20,791,000 |
| Risk-weighted assets | 115,037,000 | 121,592,000 | 116,731,000 | 131,434,000 |