Call reports 2005
HEIGHTS BANK, THE — 2005
What HEIGHTS 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 | 40,088,000 | 42,021,000 | 42,489,000 | 41,817,000 |
| Total loans | 32,731,000 | 34,303,000 | 34,783,000 | 34,700,000 |
| Allowance for loan losses | 693,000 | 713,000 | 726,000 | 721,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,608,000 | 4,248,000 | 4,251,000 | 3,554,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,898,000 | 34,932,000 | 34,340,000 | 34,711,000 |
| Interest-bearing deposits | 27,720,000 | 30,153,000 | 29,843,000 | 29,046,000 |
| Noninterest-bearing deposits | 5,178,000 | 4,779,000 | 4,497,000 | 5,665,000 |
| Equity capital | 4,111,000 | 3,993,000 | 4,032,000 | 4,034,000 |
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 | 581,000 | 1,194,000 | 1,817,000 | 2,448,000 |
| Interest expense | 141,000 | 311,000 | 512,000 | 733,000 |
| Net interest income | 440,000 | 883,000 | 1,305,000 | 1,715,000 |
| Noninterest income | 46,000 | 98,000 | 158,000 | 218,000 |
| Noninterest expense | 234,000 | 477,000 | 725,000 | 973,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 207,000 | 414,000 | 603,000 | 780,000 |
| Income tax | 12,000 | 12,000 | 12,000 | 12,000 |
| Net income | 195,000 | 402,000 | 591,000 | 768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,111,000 | 3,993,000 | 4,032,000 | 4,034,000 |
| Total capital | 4,397,000 | 4,292,000 | 4,337,000 | 4,338,000 |
| Risk-weighted assets | 22,481,000 | 23,478,000 | 23,958,000 | 23,897,000 |