Call reports 2005
NECEDAH BANK, THE — 2005
What NECEDAH 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 | 37,279,000 | 41,138,000 | 41,009,000 | 41,425,000 |
| Total loans | 22,644,000 | 25,364,000 | 26,478,000 | 27,278,000 |
| Allowance for loan losses | 242,000 | 247,000 | 285,000 | 304,000 |
| Securities available for sale | 8,842,000 | 9,179,000 | 9,011,000 | 7,989,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,467,000 | 31,836,000 | 31,642,000 | 32,057,000 |
| Interest-bearing deposits | 24,096,000 | 26,444,000 | 27,124,000 | 27,681,000 |
| Noninterest-bearing deposits | 4,371,000 | 5,392,000 | 4,518,000 | 4,376,000 |
| Equity capital | 6,436,000 | 6,294,000 | 6,334,000 | 6,356,000 |
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 | 427,000 | 908,000 | 1,391,000 | 1,901,000 |
| Interest expense | 123,000 | 259,000 | 432,000 | 628,000 |
| Net interest income | 304,000 | 649,000 | 959,000 | 1,273,000 |
| Noninterest income | 136,000 | 193,000 | 257,000 | 307,000 |
| Noninterest expense | 219,000 | 441,000 | 676,000 | 929,000 |
| Provision for loan losses | 0 | 4,000 | 40,000 | 60,000 |
| Pretax income | 223,000 | 398,000 | 502,000 | 593,000 |
| Income tax | 71,000 | 126,000 | 175,000 | 206,000 |
| Net income | 152,000 | 272,000 | 327,000 | 387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,970,000 | 3,803,000 | 3,865,000 | 3,929,000 |
| Total capital | 4,212,000 | 4,050,000 | 4,150,000 | 4,233,000 |
| Risk-weighted assets | 26,365,000 | 29,179,000 | 28,726,000 | 28,617,000 |