Call reports 2005
FALLS BANK — 2005
What FALLS 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 |
|---|---|---|---|
| Total assets | 83,493,000 | 81,780,000 | 80,348,000 |
| Total loans | 67,809,000 | 68,988,000 | 68,250,000 |
| Allowance for loan losses | 538,000 | 534,000 | 528,000 |
| Securities available for sale | 3,198,000 | 4,065,000 | 3,870,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 54,716,000 | 53,773,000 | 54,241,000 |
| Interest-bearing deposits | 52,544,000 | 51,309,000 | 51,761,000 |
| Noninterest-bearing deposits | 2,172,000 | 2,464,000 | 2,480,000 |
| Equity capital | 7,573,000 | 7,501,000 | 7,525,000 |
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 |
|---|---|---|---|
| Interest income | 1,021,000 | 2,045,000 | 3,109,000 |
| Interest expense | 543,000 | 1,086,000 | 1,638,000 |
| Net interest income | 478,000 | 959,000 | 1,471,000 |
| Noninterest income | 125,000 | 142,000 | 333,000 |
| Noninterest expense | 641,000 | 1,228,000 | 1,896,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | -38,000 | -127,000 | -92,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -38,000 | -127,000 | -92,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Tier 1 capital | 7,584,000 | 7,496,000 | 7,532,000 |
| Total capital | 8,122,000 | 8,030,000 | 8,060,000 |
| Risk-weighted assets | 51,235,000 | 50,525,000 | 49,524,000 |