Call reports 2005
ADVANTAGE BANK — 2005
What ADVANTAGE 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 | 220,879,000 | 247,831,000 | 286,261,000 | 294,270,000 |
| Total loans | 202,388,000 | 230,614,000 | 254,963,000 | 271,081,000 |
| Allowance for loan losses | 2,064,000 | 2,330,000 | 2,621,000 | 2,815,000 |
| Securities available for sale | 4,718,000 | 4,202,000 | 5,176,000 | 5,142,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,708,000 | 214,353,000 | 247,365,000 | 246,277,000 |
| Interest-bearing deposits | 178,120,000 | 198,702,000 | 230,499,000 | 229,910,000 |
| Noninterest-bearing deposits | 14,588,000 | 15,651,000 | 16,866,000 | 16,367,000 |
| Equity capital | 20,267,000 | 22,353,000 | 25,149,000 | 28,312,000 |
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 | 4,000,000 | 8,626,000 | 13,980,000 | 19,841,000 |
| Interest expense | 1,220,000 | 2,741,000 | 4,600,000 | 6,852,000 |
| Net interest income | 2,780,000 | 5,885,000 | 9,380,000 | 12,989,000 |
| Noninterest income | 35,000 | 75,000 | 122,000 | 166,000 |
| Noninterest expense | 1,843,000 | 3,783,000 | 5,726,000 | 7,876,000 |
| Provision for loan losses | 160,000 | 440,000 | 768,000 | 960,000 |
| Pretax income | 812,000 | 1,737,000 | 3,008,000 | 4,319,000 |
| Income tax | 304,000 | 650,000 | 1,125,000 | 1,615,000 |
| Net income | 508,000 | 1,087,000 | 1,883,000 | 2,704,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,291,000 | 22,371,000 | 25,166,000 | 28,337,000 |
| Total capital | 22,355,000 | 24,701,000 | 27,787,000 | 31,152,000 |
| Risk-weighted assets | 218,374,000 | 241,362,000 | 268,481,000 | 280,606,000 |