Call reports 2005
ASCEND BANK — 2005
What ASCEND 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 | 391,846,000 | 398,617,000 | 400,581,000 | 401,711,000 |
| Total loans | 256,232,000 | 267,095,000 | 274,027,000 | 283,558,000 |
| Allowance for loan losses | 3,093,000 | 3,093,000 | 3,094,000 | 3,094,000 |
| Securities available for sale | 99,562,000 | 100,319,000 | 93,669,000 | 89,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,368,000 | 343,317,000 | 343,031,000 | 343,546,000 |
| Interest-bearing deposits | 313,373,000 | 315,801,000 | 319,238,000 | 320,152,000 |
| Noninterest-bearing deposits | 22,995,000 | 27,516,000 | 23,793,000 | 23,394,000 |
| Equity capital | 51,401,000 | 52,068,000 | 52,282,000 | 52,715,000 |
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 | 4,427,000 | 9,069,000 | 13,920,000 | 18,848,000 |
| Interest expense | 1,670,000 | 3,495,000 | 5,436,000 | 7,471,000 |
| Net interest income | 2,757,000 | 5,574,000 | 8,484,000 | 11,377,000 |
| Noninterest income | 249,000 | 507,000 | 754,000 | 980,000 |
| Noninterest expense | 2,301,000 | 4,843,000 | 7,353,000 | 10,270,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 705,000 | 1,241,000 | 1,888,000 | 2,070,000 |
| Income tax | 255,000 | 448,000 | 683,000 | 389,000 |
| Net income | 450,000 | 793,000 | 1,205,000 | 1,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,822,000 | 52,165,000 | 52,577,000 | 53,053,000 |
| Total capital | 54,745,000 | 55,237,000 | 55,682,000 | 56,180,000 |
| Risk-weighted assets | 214,147,000 | 220,608,000 | 223,516,000 | 227,853,000 |