Call reports 2005
FRAZER BANK — 2005
What FRAZER 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 | 248,312,000 | 247,368,000 | 249,469,000 | 247,596,000 |
| Total loans | 53,413,000 | 51,341,000 | 53,535,000 | 52,828,000 |
| Allowance for loan losses | 494,000 | 511,000 | 466,000 | 755,000 |
| Securities available for sale | 178,711,000 | 183,485,000 | 183,002,000 | 180,323,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,593,000 | 155,444,000 | 154,985,000 | 165,340,000 |
| Interest-bearing deposits | 137,689,000 | 135,537,000 | 136,360,000 | 143,593,000 |
| Noninterest-bearing deposits | 18,904,000 | 19,907,000 | 18,625,000 | 21,747,000 |
| Equity capital | 18,762,000 | 20,815,000 | 19,314,000 | 16,505,000 |
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 | 3,013,000 | 6,098,000 | 9,236,000 | 12,593,000 |
| Interest expense | 1,140,000 | 2,415,000 | 3,841,000 | 5,383,000 |
| Net interest income | 1,873,000 | 3,683,000 | 5,395,000 | 7,210,000 |
| Noninterest income | 316,000 | 685,000 | 1,025,000 | 1,387,000 |
| Noninterest expense | 1,332,000 | 2,581,000 | 3,803,000 | 5,171,000 |
| Provision for loan losses | 60,000 | 120,000 | 170,000 | 200,000 |
| Pretax income | 797,000 | 1,667,000 | 2,447,000 | 3,232,000 |
| Income tax | 8,000 | 8,000 | 8,000 | 8,000 |
| Net income | 789,000 | 1,659,000 | 2,439,000 | 3,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,623,000 | 20,825,000 | 20,903,000 | 20,620,000 |
| Total capital | 21,117,000 | 21,336,000 | 21,369,000 | 21,375,000 |
| Risk-weighted assets | 93,396,000 | 91,491,000 | 94,003,000 | 94,118,000 |
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