Call reports 2005
NEW ALBIN SAVINGS BANK — 2005
What NEW ALBIN SAVINGS 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 | 126,888,000 | 127,448,000 | 129,220,000 | 129,237,000 |
| Total loans | 38,717,000 | 41,364,000 | 41,485,000 | 42,279,000 |
| Allowance for loan losses | 441,000 | 441,000 | 440,000 | 442,000 |
| Securities available for sale | 85,889,000 | 82,341,000 | 84,664,000 | 84,416,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,174,000 | 90,486,000 | 91,693,000 | 92,164,000 |
| Interest-bearing deposits | 85,514,000 | 85,831,000 | 87,740,000 | 87,282,000 |
| Noninterest-bearing deposits | 4,660,000 | 4,655,000 | 3,953,000 | 4,882,000 |
| Equity capital | 14,630,000 | 15,717,000 | 15,823,000 | 15,565,000 |
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 | 1,481,000 | 2,982,000 | 4,495,000 | 6,061,000 |
| Interest expense | 718,000 | 1,529,000 | 2,407,000 | 3,345,000 |
| Net interest income | 763,000 | 1,453,000 | 2,088,000 | 2,716,000 |
| Noninterest income | 18,000 | 35,000 | 55,000 | 79,000 |
| Noninterest expense | 214,000 | 449,000 | 689,000 | 982,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 547,000 | 1,023,000 | 1,438,000 | 1,797,000 |
| Income tax | 85,000 | 146,000 | 187,000 | 207,000 |
| Net income | 462,000 | 877,000 | 1,251,000 | 1,590,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,692,000 | 14,107,000 | 14,481,000 | 14,640,000 |
| Total capital | 14,133,000 | 14,548,000 | 14,921,000 | 15,082,000 |
| Risk-weighted assets | 125,888,000 | 125,373,000 | 127,540,000 | 128,233,000 |
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