Call reports 2005
JOHN WARNER BANK, THE — 2005
What JOHN WARNER BANK, 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 | 90,895,000 | 83,369,000 | 85,056,000 | 83,981,000 |
| Total loans | 40,802,000 | 34,747,000 | 39,674,000 | 36,044,000 |
| Allowance for loan losses | 630,000 | 630,000 | 630,000 | 554,000 |
| Securities available for sale | 40,235,000 | 39,754,000 | 33,114,000 | 34,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,685,000 | 66,955,000 | 68,697,000 | 68,318,000 |
| Interest-bearing deposits | 55,004,000 | 54,356,000 | 51,184,000 | 52,227,000 |
| Noninterest-bearing deposits | 15,681,000 | 12,599,000 | 17,513,000 | 16,091,000 |
| Equity capital | 9,279,000 | 9,895,000 | 9,838,000 | 9,929,000 |
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 | 1,026,000 | 1,998,000 | 2,995,000 | 3,954,000 |
| Interest expense | 231,000 | 461,000 | 702,000 | 970,000 |
| Net interest income | 795,000 | 1,537,000 | 2,293,000 | 2,984,000 |
| Noninterest income | 166,000 | 320,000 | 460,000 | 698,000 |
| Noninterest expense | 655,000 | 1,251,000 | 1,871,000 | 2,550,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 306,000 | 606,000 | 839,000 | 1,089,000 |
| Income tax | 99,000 | 195,000 | 265,000 | 238,000 |
| Net income | 207,000 | 411,000 | 574,000 | 851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,265,000 | 5,501,000 | 5,884,000 | 5,959,000 |
| Total capital | 5,865,000 | 6,060,000 | 6,482,000 | 6,562,000 |
| Risk-weighted assets | 47,974,000 | 44,628,000 | 47,800,000 | 48,260,000 |