Call reports 2005
BANKERS BANK NORTHEAST — 2005
What BANKERS BANK NORTHEAST 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 | 59,730,000 | 74,594,000 | 74,776,000 | 75,334,000 |
| Total loans | 5,321,000 | 6,532,000 | 8,963,000 | 8,846,000 |
| Allowance for loan losses | 21,000 | 47,000 | 56,000 | 65,000 |
| Securities available for sale | 41,846,000 | 40,996,000 | 42,045,000 | 43,691,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,530,000 | 53,230,000 | 53,613,000 | 51,314,000 |
| Interest-bearing deposits | 0 | 0 | 0 | 0 |
| Noninterest-bearing deposits | 38,530,000 | 53,230,000 | 53,613,000 | 51,314,000 |
| Equity capital | 5,369,000 | 5,609,000 | 5,548,000 | 5,985,000 |
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 | 422,000 | 959,000 | 1,569,000 | 2,225,000 |
| Interest expense | 69,000 | 219,000 | 357,000 | 504,000 |
| Net interest income | 353,000 | 740,000 | 1,212,000 | 1,721,000 |
| Noninterest income | 1,015,000 | 2,075,000 | 3,217,000 | 4,405,000 |
| Noninterest expense | 1,237,000 | 2,545,000 | 4,020,000 | 5,623,000 |
| Provision for loan losses | 14,000 | 40,000 | 49,000 | 58,000 |
| Pretax income | 117,000 | 230,000 | 360,000 | 445,000 |
| Income tax | 46,000 | 93,000 | 140,000 | 175,000 |
| Net income | 71,000 | 137,000 | 220,000 | 270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,533,000 | 5,600,000 | 5,682,000 | 6,252,000 |
| Total capital | 5,554,000 | 5,647,000 | 5,738,000 | 6,317,000 |
| Risk-weighted assets | 16,654,000 | 17,688,000 | 20,535,000 | 21,306,000 |