Call reports 2005
POLK COUNTY BANK — 2005
What POLK COUNTY 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 | 126,003,000 | 131,911,000 | 132,872,000 | 139,434,000 |
| Total loans | 110,448,000 | 113,178,000 | 110,940,000 | 120,422,000 |
| Allowance for loan losses | 1,578,000 | 1,646,000 | 1,693,000 | 1,710,000 |
| Securities available for sale | 7,003,000 | 7,627,000 | 8,003,000 | 5,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,344,000 | 109,329,000 | 109,878,000 | 117,530,000 |
| Interest-bearing deposits | 87,751,000 | 91,341,000 | 93,215,000 | 99,363,000 |
| Noninterest-bearing deposits | 15,593,000 | 17,988,000 | 16,663,000 | 18,168,000 |
| Equity capital | 12,012,000 | 12,771,000 | 13,396,000 | 12,407,000 |
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 | 1,973,000 | 4,197,000 | 6,393,000 | 8,745,000 |
| Interest expense | 551,000 | 1,199,000 | 1,917,000 | 2,703,000 |
| Net interest income | 1,422,000 | 2,998,000 | 4,476,000 | 6,042,000 |
| Noninterest income | 171,000 | 442,000 | 747,000 | 975,000 |
| Noninterest expense | 895,000 | 2,115,000 | 2,701,000 | 3,914,000 |
| Provision for loan losses | 210,000 | 0 | 390,000 | 570,000 |
| Pretax income | 488,000 | 1,325,000 | 2,132,000 | 2,440,000 |
| Income tax | 457,000 | 482,000 | 538,000 | 566,000 |
| Net income | 31,000 | 843,000 | 1,594,000 | 1,874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,069,000 | 12,801,000 | 13,462,000 | 12,468,000 |
| Total capital | 13,386,000 | 14,075,000 | 14,842,000 | 13,934,000 |
| Risk-weighted assets | 104,341,000 | 100,802,000 | 109,542,000 | 116,265,000 |