Call reports 2005
CENTRAL BANK OF MOBERLY — 2005
What CENTRAL BANK OF MOBERLY 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 | 151,892,000 | 150,682,000 | 149,710,000 | 153,034,000 |
| Total loans | 75,668,000 | 79,633,000 | 77,049,000 | 77,624,000 |
| Allowance for loan losses | 1,382,000 | 1,424,000 | 1,420,000 | 1,311,000 |
| Securities available for sale | 57,995,000 | 61,733,000 | 60,367,000 | 55,753,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,258,000 | 114,821,000 | 114,262,000 | 119,448,000 |
| Interest-bearing deposits | 94,269,000 | 92,869,000 | 91,849,000 | 98,075,000 |
| Noninterest-bearing deposits | 21,989,000 | 21,952,000 | 22,413,000 | 21,373,000 |
| Equity capital | 11,426,000 | 11,747,000 | 11,619,000 | 11,461,000 |
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 | 1,655,000 | 3,414,000 | 5,225,000 | 7,129,000 |
| Interest expense | 523,000 | 1,120,000 | 1,772,000 | 2,491,000 |
| Net interest income | 1,132,000 | 2,294,000 | 3,453,000 | 4,638,000 |
| Noninterest income | 380,000 | 784,000 | 1,165,000 | 1,566,000 |
| Noninterest expense | 930,000 | 1,862,000 | 2,803,000 | 3,596,000 |
| Provision for loan losses | 2,000 | 51,000 | 62,000 | 446,000 |
| Pretax income | 580,000 | 1,165,000 | 1,753,000 | 2,162,000 |
| Income tax | 215,000 | 432,000 | 651,000 | 801,000 |
| Net income | 365,000 | 733,000 | 1,102,000 | 1,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,130,000 | 12,123,000 | 12,143,000 | 12,127,000 |
| Total capital | 13,266,000 | 13,289,000 | 13,303,000 | 13,282,000 |
| Risk-weighted assets | 90,647,000 | 93,012,000 | 92,489,000 | 91,982,000 |