Call reports 2005
CENTRAL BANK — 2005
What CENTRAL 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 | 53,717,000 | 53,513,000 | 52,617,000 | 54,291,000 |
| Total loans | 22,526,000 | 22,926,000 | 22,984,000 | 23,154,000 |
| Allowance for loan losses | 433,000 | 423,000 | 421,000 | 412,000 |
| Securities available for sale | 9,549,000 | 9,414,000 | 9,130,000 | 8,860,000 |
| Securities held to maturity | 16,623,000 | 15,988,000 | 15,388,000 | 14,521,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,132,000 | 47,073,000 | 43,890,000 | 47,908,000 |
| Interest-bearing deposits | 37,476,000 | 40,176,000 | 37,010,000 | 40,981,000 |
| Noninterest-bearing deposits | 6,656,000 | 6,898,000 | 6,880,000 | 6,928,000 |
| Equity capital | 4,492,000 | 4,538,000 | 4,580,000 | 4,524,000 |
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 | 662,000 | 1,315,000 | 1,961,000 | 2,600,000 |
| Interest expense | 168,000 | 347,000 | 529,000 | 734,000 |
| Net interest income | 494,000 | 968,000 | 1,432,000 | 1,866,000 |
| Noninterest income | 112,000 | 219,000 | 332,000 | 497,000 |
| Noninterest expense | 514,000 | 1,047,000 | 1,560,000 | 2,168,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 10,000 |
| Pretax income | 87,000 | 135,000 | 199,000 | 193,000 |
| Income tax | 7,000 | 20,000 | 27,000 | -6,000 |
| Net income | 80,000 | 115,000 | 172,000 | 199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,621,000 | 4,621,000 | 4,678,000 | 4,670,000 |
| Total capital | 4,929,000 | 4,928,000 | 4,995,000 | 4,980,000 |
| Risk-weighted assets | 25,061,000 | 24,426,000 | 26,322,000 | 26,014,000 |