Call reports 2005
NBANC — 2005
What NBANC 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 | 149,976,000 | 155,031,000 | 158,592,000 | 166,389,000 |
| Total loans | 126,589,000 | 133,076,000 | 139,364,000 | 140,413,000 |
| Allowance for loan losses | 1,403,000 | 1,420,000 | 1,437,000 | 1,486,000 |
| Securities available for sale | 9,629,000 | 8,665,000 | 6,481,000 | 6,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,599,000 | 123,751,000 | 129,101,000 | 142,051,000 |
| Interest-bearing deposits | 88,859,000 | 89,432,000 | 91,192,000 | 97,780,000 |
| Noninterest-bearing deposits | 33,739,000 | 34,319,000 | 37,909,000 | 44,271,000 |
| Equity capital | 13,194,000 | 13,537,000 | 14,100,000 | 14,735,000 |
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 | 1,983,000 | 4,227,000 | 6,707,000 | 9,191,000 |
| Interest expense | 481,000 | 1,070,000 | 1,825,000 | 2,642,000 |
| Net interest income | 1,502,000 | 3,157,000 | 4,882,000 | 6,549,000 |
| Noninterest income | 173,000 | 363,000 | 559,000 | 893,000 |
| Noninterest expense | 1,175,000 | 2,364,000 | 3,575,000 | 4,899,000 |
| Provision for loan losses | 25,000 | 25,000 | 40,000 | 65,000 |
| Pretax income | 475,000 | 1,131,000 | 1,826,000 | 2,478,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 475,000 | 1,131,000 | 1,826,000 | 2,478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,520,000 | 11,845,000 | 12,408,000 | 13,078,000 |
| Total capital | 12,923,000 | 13,265,000 | 13,845,000 | 14,563,000 |
| Risk-weighted assets | 125,373,000 | 129,343,000 | 132,590,000 | 133,902,000 |