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 | 249,368,000 | 235,204,000 | 230,655,000 | 244,436,000 |
| Total loans | 197,243,000 | 179,636,000 | 167,874,000 | 166,221,000 |
| Allowance for loan losses | 4,465,000 | 4,181,000 | 4,247,000 | 3,910,000 |
| Securities available for sale | 27,260,000 | 26,001,000 | 35,780,000 | 40,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,741,000 | 201,162,000 | 195,663,000 | 207,454,000 |
| Interest-bearing deposits | 177,209,000 | 168,757,000 | 165,297,000 | 175,476,000 |
| Noninterest-bearing deposits | 31,532,000 | 32,405,000 | 30,366,000 | 31,978,000 |
| Equity capital | 29,170,000 | 29,885,000 | 30,510,000 | 31,074,000 |
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 | 4,304,000 | 8,494,000 | 12,715,000 | 17,217,000 |
| Interest expense | 1,276,000 | 2,522,000 | 3,786,000 | 5,211,000 |
| Net interest income | 3,028,000 | 5,972,000 | 8,929,000 | 12,006,000 |
| Noninterest income | 279,000 | 568,000 | 957,000 | 1,268,000 |
| Noninterest expense | 2,506,000 | 4,824,000 | 7,206,000 | 9,743,000 |
| Provision for loan losses | 908,000 | 1,008,000 | 1,008,000 | 733,000 |
| Pretax income | -106,000 | 709,000 | 1,673,000 | 2,799,000 |
| Income tax | 0 | 192,000 | 490,000 | 841,000 |
| Net income | -106,000 | 517,000 | 1,183,000 | 1,958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,610,000 | 30,233,000 | 30,899,000 | 31,674,000 |
| Total capital | 32,366,000 | 32,788,000 | 33,345,000 | 34,137,000 |
| Risk-weighted assets | 218,758,000 | 202,774,000 | 193,918,000 | 195,590,000 |