Call reports 2005
OLD FORT BANKING COMPANY, THE — 2005
What OLD FORT BANKING COMPANY, THE 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 | 319,492,000 | 325,607,000 | 336,258,000 | 346,520,000 |
| Total loans | 230,225,000 | 240,347,000 | 248,744,000 | 254,214,000 |
| Allowance for loan losses | 2,641,000 | 2,564,000 | 2,619,000 | 2,663,000 |
| Securities available for sale | 67,861,000 | 64,068,000 | 65,019,000 | 67,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,436,000 | 277,820,000 | 290,831,000 | 301,391,000 |
| Interest-bearing deposits | 251,233,000 | 252,685,000 | 267,178,000 | 274,407,000 |
| Noninterest-bearing deposits | 22,203,000 | 25,135,000 | 23,653,000 | 26,984,000 |
| Equity capital | 25,854,000 | 26,280,000 | 26,832,000 | 27,460,000 |
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 | 4,016,000 | 8,281,000 | 12,830,000 | 17,602,000 |
| Interest expense | 1,335,000 | 2,881,000 | 4,630,000 | 6,561,000 |
| Net interest income | 2,681,000 | 5,400,000 | 8,200,000 | 11,041,000 |
| Noninterest income | 551,000 | 1,130,000 | 1,714,000 | 2,328,000 |
| Noninterest expense | 2,166,000 | 4,275,000 | 6,423,000 | 8,474,000 |
| Provision for loan losses | 70,000 | 205,000 | 340,000 | 475,000 |
| Pretax income | 1,006,000 | 2,063,000 | 3,164,000 | 4,401,000 |
| Income tax | 234,000 | 471,000 | 725,000 | 1,016,000 |
| Net income | 772,000 | 1,592,000 | 2,439,000 | 3,385,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,552,000 | 26,378,000 | 27,221,000 | 28,180,000 |
| Total capital | 29,193,000 | 28,942,000 | 29,840,000 | 30,843,000 |
| Risk-weighted assets | 259,885,000 | 266,408,000 | 286,445,000 | 293,400,000 |