Call reports 2005
TIME BANK — 2005
What TIME 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 | 174,543,000 | 184,934,000 | 193,549,000 | 189,779,000 |
| Total loans | 137,381,000 | 141,774,000 | 145,886,000 | 144,872,000 |
| Allowance for loan losses | 1,790,000 | 1,835,000 | 1,880,000 | 1,925,000 |
| Securities available for sale | 24,008,000 | 20,823,000 | 20,474,000 | 18,957,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,438,000 | 160,592,000 | 168,941,000 | 164,794,000 |
| Interest-bearing deposits | 129,830,000 | 138,329,000 | 139,211,000 | 140,909,000 |
| Noninterest-bearing deposits | 20,608,000 | 22,263,000 | 29,730,000 | 23,885,000 |
| Equity capital | 18,099,000 | 18,702,000 | 19,367,000 | 20,055,000 |
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 | 2,438,000 | 4,894,000 | 7,644,000 | 10,565,000 |
| Interest expense | 636,000 | 1,415,000 | 2,371,000 | 3,465,000 |
| Net interest income | 1,802,000 | 3,479,000 | 5,273,000 | 7,100,000 |
| Noninterest income | 115,000 | 170,000 | 240,000 | 307,000 |
| Noninterest expense | 751,000 | 1,426,000 | 2,105,000 | 2,840,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 1,121,000 | 2,133,000 | 3,273,000 | 4,387,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,121,000 | 2,133,000 | 3,273,000 | 4,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,262,000 | 18,814,000 | 19,503,000 | 20,180,000 |
| Total capital | 20,014,000 | 20,649,000 | 21,383,000 | 21,749,000 |
| Risk-weighted assets | 140,149,000 | 148,152,000 | 154,577,000 | 125,187,000 |