Call reports 2005
BILTMORE BANK OF ARIZONA, THE — 2005
What BILTMORE BANK OF ARIZONA, 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 | 158,074,000 | 187,025,000 | 220,288,000 | 255,689,000 |
| Total loans | 133,214,000 | 153,782,000 | 162,681,000 | 158,803,000 |
| Allowance for loan losses | 1,072,000 | 1,067,000 | 1,113,000 | 1,210,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,509,000 | 1,396,000 | 1,265,000 | 1,159,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,915,000 | 162,191,000 | 193,862,000 | 221,363,000 |
| Interest-bearing deposits | 97,035,000 | 121,424,000 | 140,331,000 | 165,168,000 |
| Noninterest-bearing deposits | 38,880,000 | 40,767,000 | 53,531,000 | 56,194,000 |
| Equity capital | 21,399,000 | 23,486,000 | 24,421,000 | 32,175,000 |
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 | 2,123,000 | 5,128,000 | 9,039,000 | 13,423,000 |
| Interest expense | 377,000 | 1,024,000 | 1,912,000 | 3,002,000 |
| Net interest income | 1,746,000 | 4,104,000 | 7,127,000 | 10,421,000 |
| Noninterest income | 51,000 | 304,000 | 4,037,000 | 7,919,000 |
| Noninterest expense | 1,380,000 | 3,409,000 | 8,994,000 | 14,311,000 |
| Provision for loan losses | 119,000 | 115,000 | 160,000 | 258,000 |
| Pretax income | 298,000 | 884,000 | 2,010,000 | 3,771,000 |
| Income tax | 0 | 0 | 191,000 | 697,000 |
| Net income | 298,000 | 884,000 | 1,819,000 | 3,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,399,000 | 22,403,000 | 23,338,000 | 30,966,000 |
| Total capital | 22,800,000 | 23,830,000 | 24,976,000 | 32,620,000 |
| Risk-weighted assets | 142,712,000 | 157,231,000 | 176,118,000 | 188,174,000 |