Call reports 2005
REPUBLIC NATIONAL BANK — 2005
What REPUBLIC NATIONAL 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 | 588,743,000 | 597,248,000 | 621,046,000 | 633,768,000 |
| Total loans | 425,238,000 | 444,486,000 | 451,729,000 | 470,771,000 |
| Allowance for loan losses | 5,137,000 | 5,315,000 | 5,362,000 | 5,424,000 |
| Securities available for sale | 78,380,000 | 67,134,000 | 70,968,000 | 76,585,000 |
| Securities held to maturity | 16,036,000 | 14,302,000 | 12,441,000 | 10,610,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 523,471,000 | 540,510,000 | 562,144,000 | 572,900,000 |
| Interest-bearing deposits | 451,066,000 | 479,034,000 | 502,403,000 | 502,850,000 |
| Noninterest-bearing deposits | 72,405,000 | 61,476,000 | 59,741,000 | 70,050,000 |
| Equity capital | 43,067,000 | 44,890,000 | 46,664,000 | 48,439,000 |
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 | 7,710,000 | 16,064,000 | 24,883,000 | 34,437,000 |
| Interest expense | 1,719,000 | 3,839,000 | 6,217,000 | 8,897,000 |
| Net interest income | 5,991,000 | 12,225,000 | 18,666,000 | 25,540,000 |
| Noninterest income | 737,000 | 1,467,000 | 2,113,000 | 2,760,000 |
| Noninterest expense | 4,102,000 | 8,228,000 | 12,324,000 | 16,284,000 |
| Provision for loan losses | 495,000 | 935,000 | 1,100,000 | 1,500,000 |
| Pretax income | 2,131,000 | 4,527,000 | 7,353,000 | 10,514,000 |
| Income tax | 702,000 | 1,479,000 | 2,409,000 | 3,449,000 |
| Net income | 1,429,000 | 3,048,000 | 4,944,000 | 7,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,763,000 | 45,382,000 | 47,279,000 | 49,399,000 |
| Total capital | 48,900,000 | 50,697,000 | 52,641,000 | 54,823,000 |
| Risk-weighted assets | 471,604,000 | 486,538,000 | 495,580,000 | 510,285,000 |