Call reports 2005
CF BANCORP — 2005
What CF BANCORP 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 | 1,271,306,000 | 1,372,202,000 | 1,386,043,000 | 1,664,910,000 |
| Total loans | 1,133,802,000 | 1,210,969,000 | 1,232,638,000 | 1,440,698,000 |
| Allowance for loan losses | 12,053,000 | 12,145,000 | 12,402,000 | 13,546,000 |
| Securities available for sale | 52,998,000 | 50,944,000 | 50,523,000 | 66,739,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 838,055,000 | 899,564,000 | 955,104,000 | 1,103,840,000 |
| Interest-bearing deposits | 766,028,000 | 802,351,000 | 862,782,000 | 959,586,000 |
| Noninterest-bearing deposits | 72,027,000 | 97,213,000 | 92,322,000 | 144,254,000 |
| Equity capital | 115,953,000 | 113,380,000 | 115,951,000 | 148,021,000 |
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 | 16,910,000 | 35,621,000 | 56,055,000 | 85,781,000 |
| Interest expense | 6,955,000 | 15,490,000 | 24,711,000 | 37,630,000 |
| Net interest income | 9,955,000 | 20,131,000 | 31,344,000 | 48,151,000 |
| Noninterest income | 2,292,000 | 4,897,000 | 8,528,000 | 12,043,000 |
| Noninterest expense | 8,630,000 | 17,682,000 | 27,876,000 | 44,529,000 |
| Provision for loan losses | 360,000 | 1,010,000 | 1,460,000 | 2,390,000 |
| Pretax income | 3,257,000 | 6,336,000 | 10,536,000 | 13,275,000 |
| Income tax | 993,000 | 1,937,000 | 3,355,000 | 4,023,000 |
| Net income | 2,264,000 | 4,399,000 | 7,181,000 | 9,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,810,000 | 112,953,000 | 115,698,000 | 135,061,000 |
| Total capital | 127,863,000 | 125,098,000 | 128,100,000 | 148,607,000 |
| Risk-weighted assets | 1,046,673,000 | 1,132,415,000 | 1,171,585,000 | 1,403,032,000 |