Call reports 2005
ACB BANK — 2005
What ACB 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 | 32,411,000 | 31,391,000 | 31,976,000 | 33,425,000 |
| Total loans | 25,109,000 | 24,276,000 | 23,162,000 | 26,938,000 |
| Allowance for loan losses | 396,000 | 422,000 | 463,000 | 419,000 |
| Securities available for sale | 3,231,000 | 3,291,000 | 3,028,000 | 3,495,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,374,000 | 22,941,000 | 23,318,000 | 22,444,000 |
| Interest-bearing deposits | 22,454,000 | 21,055,000 | 21,255,000 | 20,380,000 |
| Noninterest-bearing deposits | 1,920,000 | 1,886,000 | 2,063,000 | 2,064,000 |
| Equity capital | 3,098,000 | 3,186,000 | 3,179,000 | 3,182,000 |
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 | 532,000 | 1,078,000 | 1,628,000 | 2,224,000 |
| Interest expense | 194,000 | 389,000 | 596,000 | 818,000 |
| Net interest income | 338,000 | 689,000 | 1,032,000 | 1,406,000 |
| Noninterest income | 39,000 | 75,000 | 119,000 | 161,000 |
| Noninterest expense | 156,000 | 307,000 | 480,000 | 766,000 |
| Provision for loan losses | 30,000 | 60,000 | 96,000 | 158,000 |
| Pretax income | 191,000 | 397,000 | 575,000 | 643,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 191,000 | 397,000 | 575,000 | 643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,127,000 | 3,205,000 | 3,203,000 | 3,223,000 |
| Total capital | 3,461,000 | 3,532,000 | 3,521,000 | 3,578,000 |
| Risk-weighted assets | 26,644,000 | 26,036,000 | 25,274,000 | 28,323,000 |