Call reports 2005
SEAWAY COMMUNITY BANK — 2005
What SEAWAY COMMUNITY 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 | 126,560,000 | 125,986,000 | 134,531,000 | 135,941,000 |
| Total loans | 97,901,000 | 100,352,000 | 107,422,000 | 113,391,000 |
| Allowance for loan losses | 1,207,000 | 1,249,000 | 1,346,000 | 1,377,000 |
| Securities available for sale | 20,029,000 | 15,375,000 | 13,910,000 | 13,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,034,000 | 113,862,000 | 121,974,000 | 123,274,000 |
| Interest-bearing deposits | 103,112,000 | 102,414,000 | 110,745,000 | 112,441,000 |
| Noninterest-bearing deposits | 9,922,000 | 11,448,000 | 11,229,000 | 10,833,000 |
| Equity capital | 10,083,000 | 10,288,000 | 10,735,000 | 10,943,000 |
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 | 1,703,000 | 3,599,000 | 5,624,000 | 7,770,000 |
| Interest expense | 621,000 | 1,313,000 | 2,049,000 | 2,885,000 |
| Net interest income | 1,082,000 | 2,286,000 | 3,575,000 | 4,885,000 |
| Noninterest income | 248,000 | 516,000 | 853,000 | 1,176,000 |
| Noninterest expense | 1,072,000 | 2,163,000 | 3,278,000 | 4,377,000 |
| Provision for loan losses | 53,000 | 93,000 | 191,000 | 294,000 |
| Pretax income | 205,000 | 546,000 | 959,000 | 1,390,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 205,000 | 546,000 | 959,000 | 1,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,218,000 | 10,384,000 | 10,836,000 | 11,062,000 |
| Total capital | 11,425,000 | 11,633,000 | 12,182,000 | 12,439,000 |
| Risk-weighted assets | 99,483,000 | 102,569,000 | 110,085,000 | 111,429,000 |
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