Call reports 2005
TSB BANK — 2005
What TSB 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 | 55,566,000 | 55,087,000 | 55,571,000 | 61,055,000 |
| Total loans | 42,936,000 | 43,779,000 | 46,325,000 | 47,069,000 |
| Allowance for loan losses | 456,000 | 409,000 | 432,000 | 496,000 |
| Securities available for sale | 2,275,000 | 1,972,000 | 1,391,000 | 1,092,000 |
| Securities held to maturity | 2,220,000 | 1,720,000 | 695,000 | 4,195,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,380,000 | 48,740,000 | 49,061,000 | 54,397,000 |
| Interest-bearing deposits | 41,329,000 | 39,786,000 | 39,623,000 | 43,998,000 |
| Noninterest-bearing deposits | 8,051,000 | 8,954,000 | 9,438,000 | 10,399,000 |
| Equity capital | 4,797,000 | 4,938,000 | 5,092,000 | 5,241,000 |
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 | 788,000 | 1,601,000 | 2,449,000 | 3,353,000 |
| Interest expense | 236,000 | 448,000 | 682,000 | 980,000 |
| Net interest income | 552,000 | 1,153,000 | 1,767,000 | 2,373,000 |
| Noninterest income | 75,000 | 171,000 | 253,000 | 330,000 |
| Noninterest expense | 425,000 | 870,000 | 1,295,000 | 1,717,000 |
| Provision for loan losses | 20,000 | 50,000 | 80,000 | 110,000 |
| Pretax income | 182,000 | 399,000 | 640,000 | 871,000 |
| Income tax | 67,000 | 145,000 | 231,000 | 314,000 |
| Net income | 115,000 | 254,000 | 409,000 | 557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,803,000 | 4,945,000 | 5,100,000 | 5,249,000 |
| Total capital | 5,259,000 | 5,354,000 | 5,532,000 | 5,745,000 |
| Risk-weighted assets | 46,258,000 | 46,044,000 | 46,879,000 | 51,128,000 |