Call reports 2005
MARINER'S BANK — 2005
What MARINER'S 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 | 124,403,000 | 128,189,000 | 129,463,000 | 125,267,000 |
| Total loans | 96,918,000 | 109,812,000 | 111,100,000 | 104,047,000 |
| Allowance for loan losses | 1,133,000 | 1,253,000 | 1,238,000 | 1,289,000 |
| Securities available for sale | 0 | 0 | 496,000 | 494,000 |
| Securities held to maturity | 9,450,000 | 9,441,000 | 9,436,000 | 9,427,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,223,000 | 105,751,000 | 106,373,000 | 103,660,000 |
| Interest-bearing deposits | 92,004,000 | 95,264,000 | 96,530,000 | 91,428,000 |
| Noninterest-bearing deposits | 10,219,000 | 10,487,000 | 9,843,000 | 12,232,000 |
| Equity capital | 15,584,000 | 16,154,000 | 16,723,000 | 17,122,000 |
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 | 1,848,000 | 3,890,000 | 6,115,000 | 8,419,000 |
| Interest expense | 562,000 | 1,185,000 | 1,904,000 | 2,656,000 |
| Net interest income | 1,286,000 | 2,705,000 | 4,211,000 | 5,763,000 |
| Noninterest income | 109,000 | 230,000 | 360,000 | 491,000 |
| Noninterest expense | 543,000 | 1,104,000 | 1,716,000 | 2,535,000 |
| Provision for loan losses | 120,000 | 240,000 | 400,000 | 460,000 |
| Pretax income | 732,000 | 1,591,000 | 2,455,000 | 3,259,000 |
| Income tax | 299,000 | 624,000 | 920,000 | 1,320,000 |
| Net income | 433,000 | 967,000 | 1,535,000 | 1,939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,584,000 | 16,154,000 | 16,725,000 | 17,127,000 |
| Total capital | 16,717,000 | 17,407,000 | 17,963,000 | 18,416,000 |
| Risk-weighted assets | 97,300,000 | 107,926,000 | 109,718,000 | 102,887,000 |