Call reports 2005
BREDA SAVINGS BANK — 2005
What BREDA SAVINGS 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 | 23,862,000 | 23,239,000 | 23,709,000 | 24,764,000 |
| Total loans | 11,237,000 | 11,206,000 | 12,061,000 | 12,859,000 |
| Allowance for loan losses | 394,000 | 407,000 | 408,000 | 383,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,101,000 | 11,372,000 | 10,923,000 | 10,722,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,066,000 | 17,484,000 | 17,663,000 | 18,271,000 |
| Interest-bearing deposits | 14,241,000 | 14,041,000 | 13,549,000 | 13,611,000 |
| Noninterest-bearing deposits | 3,825,000 | 3,443,000 | 4,114,000 | 4,660,000 |
| Equity capital | 5,314,000 | 5,438,000 | 5,504,000 | 5,495,000 |
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 | 261,000 | 526,000 | 811,000 | 1,115,000 |
| Interest expense | 60,000 | 128,000 | 206,000 | 292,000 |
| Net interest income | 201,000 | 398,000 | 605,000 | 823,000 |
| Noninterest income | 30,000 | 47,000 | 78,000 | 116,000 |
| Noninterest expense | 175,000 | 343,000 | 515,000 | 813,000 |
| Provision for loan losses | 0 | 0 | 0 | -50,000 |
| Pretax income | 56,000 | 102,000 | 168,000 | 176,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 56,000 | 102,000 | 168,000 | 176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,314,000 | 5,438,000 | 5,504,000 | 5,495,000 |
| Total capital | 5,461,000 | 5,584,000 | 5,661,000 | 5,662,000 |
| Risk-weighted assets | 11,505,000 | 11,391,000 | 12,316,000 | 13,176,000 |
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