Call reports 2005
BANK OF DESOTO, NATIONAL ASSOCIATION — 2005
What BANK OF DESOTO, NATIONAL ASSOCIATION 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 | 122,966,000 | 122,373,000 | 125,909,000 | 127,296,000 |
| Total loans | 74,769,000 | 72,447,000 | 73,579,000 | 78,586,000 |
| Allowance for loan losses | 905,000 | 927,000 | 964,000 | 860,000 |
| Securities available for sale | 4,867,000 | 4,948,000 | 2,968,000 | 2,951,000 |
| Securities held to maturity | 8,000,000 | 11,000,000 | 17,152,000 | 19,102,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,372,000 | 110,414,000 | 113,595,000 | 114,854,000 |
| Interest-bearing deposits | 91,496,000 | 90,286,000 | 91,519,000 | 93,086,000 |
| Noninterest-bearing deposits | 19,876,000 | 20,128,000 | 22,076,000 | 21,768,000 |
| Equity capital | 11,278,000 | 11,612,000 | 11,914,000 | 12,141,000 |
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 | 2,019,000 | 4,089,000 | 6,233,000 | 8,506,000 |
| Interest expense | 484,000 | 1,012,000 | 1,603,000 | 2,273,000 |
| Net interest income | 1,535,000 | 3,077,000 | 4,630,000 | 6,233,000 |
| Noninterest income | 214,000 | 424,000 | 642,000 | 868,000 |
| Noninterest expense | 1,043,000 | 1,982,000 | 2,893,000 | 4,034,000 |
| Provision for loan losses | 105,000 | 270,000 | 430,000 | 430,000 |
| Pretax income | 601,000 | 1,249,000 | 1,949,000 | 2,637,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 601,000 | 1,249,000 | 1,949,000 | 2,637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,384,000 | 11,638,000 | 11,944,000 | 12,236,000 |
| Total capital | 12,289,000 | 12,565,000 | 12,908,000 | 13,096,000 |
| Risk-weighted assets | 78,035,000 | 77,591,000 | 78,831,000 | 82,531,000 |