Call reports 2005
SOUTHWESTUSA BANK — 2005
What SOUTHWESTUSA 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 | 108,408,000 | 125,923,000 | 134,762,000 | 147,449,000 |
| Total loans | 86,323,000 | 96,843,000 | 109,208,000 | 114,070,000 |
| Allowance for loan losses | 848,000 | 1,008,000 | 1,024,000 | 1,095,000 |
| Securities available for sale | 10,017,000 | 9,099,000 | 8,215,000 | 9,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,313,000 | 113,136,000 | 121,397,000 | 132,593,000 |
| Interest-bearing deposits | 74,851,000 | 95,996,000 | 97,316,000 | 106,209,000 |
| Noninterest-bearing deposits | 20,462,000 | 17,140,000 | 24,082,000 | 26,384,000 |
| Equity capital | 8,829,000 | 11,459,000 | 11,962,000 | 13,496,000 |
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 | 1,663,000 | 3,731,000 | 6,149,000 | 8,847,000 |
| Interest expense | 365,000 | 991,000 | 1,714,000 | 2,530,000 |
| Net interest income | 1,298,000 | 2,740,000 | 4,435,000 | 6,317,000 |
| Noninterest income | 38,000 | 151,000 | 275,000 | 347,000 |
| Noninterest expense | 1,038,000 | 2,150,000 | 3,343,000 | 4,561,000 |
| Provision for loan losses | 110,000 | 308,000 | 495,000 | 207,000 |
| Pretax income | 188,000 | 433,000 | 872,000 | 1,896,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 188,000 | 433,000 | 872,000 | 1,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,859,000 | 11,564,000 | 12,049,000 | 13,603,000 |
| Total capital | 9,762,000 | 12,627,000 | 13,128,000 | 14,753,000 |
| Risk-weighted assets | 82,587,000 | 93,203,000 | 104,548,000 | 110,796,000 |