Call reports 2005
TRI COUNTIES BANK — 2005
What TRI COUNTIES 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 | 1,656,301,000 | 1,720,936,000 | 1,786,252,000 | 1,841,252,000 |
| Total loans | 1,182,433,000 | 1,250,053,000 | 1,328,090,000 | 1,385,035,000 |
| Allowance for loan losses | 14,563,000 | 14,892,000 | 15,796,000 | 16,226,000 |
| Securities available for sale | 293,735,000 | 288,907,000 | 271,139,000 | 260,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,402,103,000 | 1,402,660,000 | 1,440,711,000 | 1,499,423,000 |
| Interest-bearing deposits | 1,086,010,000 | 1,067,289,000 | 1,091,843,000 | 1,128,385,000 |
| Noninterest-bearing deposits | 316,093,000 | 335,371,000 | 348,868,000 | 371,038,000 |
| Equity capital | 178,526,000 | 182,191,000 | 184,974,000 | 188,226,000 |
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 | 22,631,000 | 46,537,000 | 71,874,000 | 98,756,000 |
| Interest expense | 3,584,000 | 7,779,000 | 12,650,000 | 18,047,000 |
| Net interest income | 19,047,000 | 38,758,000 | 59,224,000 | 80,709,000 |
| Noninterest income | 5,328,000 | 11,637,000 | 18,269,000 | 24,873,000 |
| Noninterest expense | 14,978,000 | 30,356,000 | 45,899,000 | 61,575,000 |
| Provision for loan losses | 100,000 | 661,000 | 1,608,000 | 2,169,000 |
| Pretax income | 9,297,000 | 19,378,000 | 29,986,000 | 41,838,000 |
| Income tax | 3,672,000 | 7,597,000 | 11,786,000 | 16,435,000 |
| Net income | 5,625,000 | 11,781,000 | 18,200,000 | 25,403,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 158,900,000 | 162,127,000 | 166,320,000 | 170,688,000 |
| Total capital | 175,095,000 | 178,690,000 | 183,790,000 | 188,727,000 |
| Risk-weighted assets | 1,478,229,000 | 1,553,503,000 | 1,653,389,000 | 1,759,958,000 |