Call reports 2005
LEADERS BANK, THE — 2005
What LEADERS BANK, 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 | 247,709,000 | 288,648,000 | 286,495,000 | 305,197,000 |
| Total loans | 214,382,000 | 237,769,000 | 247,891,000 | 265,091,000 |
| Allowance for loan losses | 2,251,000 | 2,497,000 | 2,602,000 | 2,781,000 |
| Securities available for sale | 20,947,000 | 40,915,000 | 31,961,000 | 31,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,570,000 | 256,395,000 | 256,143,000 | 270,551,000 |
| Interest-bearing deposits | 204,116,000 | 241,447,000 | 241,254,000 | 249,831,000 |
| Noninterest-bearing deposits | 13,454,000 | 14,948,000 | 14,888,000 | 20,721,000 |
| Equity capital | 20,842,000 | 22,920,000 | 23,706,000 | 25,229,000 |
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 | 3,213,000 | 6,987,000 | 11,432,000 | 16,084,000 |
| Interest expense | 1,352,000 | 3,047,000 | 5,081,000 | 7,483,000 |
| Net interest income | 1,861,000 | 3,940,000 | 6,351,000 | 8,601,000 |
| Noninterest income | 141,000 | 289,000 | 541,000 | 726,000 |
| Noninterest expense | 1,335,000 | 2,719,000 | 4,072,000 | 4,975,000 |
| Provision for loan losses | 126,000 | 299,000 | 405,000 | 706,000 |
| Pretax income | 541,000 | 1,208,000 | 2,389,000 | 3,457,000 |
| Income tax | 0 | 0 | 240,000 | 656,000 |
| Net income | 541,000 | 1,208,000 | 2,149,000 | 2,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,982,000 | 23,054,000 | 23,990,000 | 25,448,000 |
| Total capital | 23,233,000 | 25,551,000 | 26,593,000 | 28,229,000 |
| Risk-weighted assets | 228,284,000 | 250,088,000 | 256,694,000 | 281,565,000 |