Call reports 2005
CUSTOMERS BANK — 2005
What CUSTOMERS 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 | 153,724,000 | 159,367,000 | 170,930,000 | 182,352,000 |
| Total loans | 120,611,000 | 122,770,000 | 131,256,000 | 139,715,000 |
| Allowance for loan losses | 1,423,000 | 1,456,000 | 1,522,000 | 1,615,000 |
| Securities available for sale | 23,006,000 | 26,529,000 | 28,821,000 | 31,041,000 |
| Securities held to maturity | 4,725,000 | 4,621,000 | 4,454,000 | 4,333,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,216,000 | 125,939,000 | 133,155,000 | 144,576,000 |
| Interest-bearing deposits | 100,883,000 | 111,223,000 | 115,971,000 | 127,135,000 |
| Noninterest-bearing deposits | 14,333,000 | 14,716,000 | 17,184,000 | 17,441,000 |
| Equity capital | 11,525,000 | 11,893,000 | 11,997,000 | 15,503,000 |
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 | 2,063,000 | 4,298,000 | 6,749,000 | 9,472,000 |
| Interest expense | 774,000 | 1,678,000 | 2,747,000 | 3,981,000 |
| Net interest income | 1,289,000 | 2,620,000 | 4,002,000 | 5,491,000 |
| Noninterest income | 93,000 | 186,000 | 268,000 | 385,000 |
| Noninterest expense | 1,135,000 | 2,276,000 | 3,455,000 | 4,648,000 |
| Provision for loan losses | 47,000 | 80,000 | 186,000 | 282,000 |
| Pretax income | 200,000 | 450,000 | 629,000 | 946,000 |
| Income tax | 9,000 | 19,000 | 25,000 | 33,000 |
| Net income | 191,000 | 431,000 | 604,000 | 913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,674,000 | 11,914,000 | 12,087,000 | 15,770,000 |
| Total capital | 15,088,000 | 15,370,000 | 15,609,000 | 19,385,000 |
| Risk-weighted assets | 113,079,000 | 118,022,000 | 125,762,000 | 132,652,000 |