Call reports 2005
SMALL BUSINESS BANK — 2005
What SMALL BUSINESS 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 | 91,915,000 | 89,601,000 | 97,046,000 | 95,040,000 |
| Total loans | 64,288,000 | 64,708,000 | 64,405,000 | 65,643,000 |
| Allowance for loan losses | 579,000 | 594,000 | 605,000 | 607,000 |
| Securities available for sale | 12,611,000 | 12,611,000 | 18,275,000 | 20,796,000 |
| Securities held to maturity | 973,000 | 950,000 | 542,000 | 539,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,814,000 | 66,137,000 | 72,223,000 | 69,130,000 |
| Interest-bearing deposits | 54,918,000 | 54,570,000 | 56,587,000 | 56,210,000 |
| Noninterest-bearing deposits | 12,896,000 | 11,567,000 | 15,636,000 | 12,920,000 |
| Equity capital | 6,249,000 | 6,344,000 | 6,412,000 | 6,386,000 |
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 | 1,183,000 | 2,401,000 | 3,707,000 | 5,058,000 |
| Interest expense | 392,000 | 831,000 | 1,323,000 | 1,870,000 |
| Net interest income | 791,000 | 1,570,000 | 2,384,000 | 3,188,000 |
| Noninterest income | 187,000 | 391,000 | 601,000 | 818,000 |
| Noninterest expense | 862,000 | 1,725,000 | 2,619,000 | 3,523,000 |
| Provision for loan losses | 45,000 | 110,000 | 142,000 | 179,000 |
| Pretax income | 71,000 | 126,000 | 224,000 | 304,000 |
| Income tax | 19,000 | 25,000 | 25,000 | 42,000 |
| Net income | 52,000 | 101,000 | 199,000 | 262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,167,000 | 6,217,000 | 6,316,000 | 6,380,000 |
| Total capital | 6,746,000 | 6,811,000 | 6,921,000 | 6,987,000 |
| Risk-weighted assets | 63,841,000 | 63,424,000 | 64,381,000 | 63,610,000 |