Call reports 2005
ENTEGRA BANK — 2005
What ENTEGRA 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 | 810,081,000 | 851,623,000 | 905,509,000 | 903,482,000 |
| Total loans | 626,333,000 | 660,756,000 | 716,406,000 | 736,095,000 |
| Allowance for loan losses | 5,383,000 | 5,781,000 | 6,182,000 | 6,563,000 |
| Securities available for sale | 121,359,000 | 134,434,000 | 110,916,000 | 103,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 501,281,000 | 549,423,000 | 619,398,000 | 625,501,000 |
| Interest-bearing deposits | 454,312,000 | 499,249,000 | 561,955,000 | 563,772,000 |
| Noninterest-bearing deposits | 46,969,000 | 50,174,000 | 57,443,000 | 61,729,000 |
| Equity capital | 65,508,000 | 68,123,000 | 69,991,000 | 72,152,000 |
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 | 10,967,000 | 23,004,000 | 36,098,000 | 50,295,000 |
| Interest expense | 4,153,000 | 8,929,000 | 14,501,000 | 20,435,000 |
| Net interest income | 6,814,000 | 14,075,000 | 21,597,000 | 29,860,000 |
| Noninterest income | 1,770,000 | 3,784,000 | 5,074,000 | 6,319,000 |
| Noninterest expense | 4,586,000 | 9,519,000 | 14,419,000 | 19,377,000 |
| Provision for loan losses | 375,000 | 780,000 | 1,185,000 | 1,590,000 |
| Pretax income | 3,623,000 | 7,560,000 | 11,068,000 | 15,213,000 |
| Income tax | 1,356,000 | 2,819,000 | 4,133,000 | 5,679,000 |
| Net income | 2,267,000 | 4,741,000 | 6,935,000 | 9,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,335,000 | 68,765,000 | 70,794,000 | 73,233,000 |
| Total capital | 71,718,000 | 74,546,000 | 76,976,000 | 79,796,000 |
| Risk-weighted assets | 602,685,000 | 630,758,000 | 681,333,000 | 697,891,000 |