Call reports 2005
FELTON BANK, THE — 2005
What FELTON 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 | 68,619,000 | 68,674,000 | 71,975,000 | 76,991,000 |
| Total loans | 52,276,000 | 55,627,000 | 59,669,000 | 62,434,000 |
| Allowance for loan losses | 482,000 | 512,000 | 489,000 | 515,000 |
| Securities available for sale | 5,914,000 | 5,793,000 | 5,485,000 | 5,038,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,302,000 | 60,134,000 | 61,165,000 | 59,900,000 |
| Interest-bearing deposits | 49,641,000 | 49,247,000 | 48,956,000 | 48,063,000 |
| Noninterest-bearing deposits | 10,661,000 | 10,887,000 | 12,209,000 | 11,837,000 |
| Equity capital | 7,812,000 | 8,087,000 | 8,276,000 | 8,528,000 |
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 | 965,000 | 2,012,000 | 3,151,000 | 4,408,000 |
| Interest expense | 239,000 | 492,000 | 774,000 | 1,131,000 |
| Net interest income | 726,000 | 1,520,000 | 2,377,000 | 3,277,000 |
| Noninterest income | 80,000 | 165,000 | 265,000 | 367,000 |
| Noninterest expense | 504,000 | 1,030,000 | 1,582,000 | 2,215,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 272,000 | 595,000 | 970,000 | 1,309,000 |
| Income tax | 102,000 | 223,000 | 364,000 | 496,000 |
| Net income | 170,000 | 372,000 | 606,000 | 813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,744,000 | 4,975,000 | 5,182,000 | 5,490,000 |
| Total capital | 5,270,000 | 5,537,000 | 5,727,000 | 6,067,000 |
| Risk-weighted assets | 50,212,000 | 52,478,000 | 56,562,000 | 60,575,000 |