Call reports 2005
MY BANK — 2005
What MY 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 | 114,779,000 | 116,760,000 | 121,616,000 | 123,998,000 |
| Total loans | 80,593,000 | 82,636,000 | 88,840,000 | 89,035,000 |
| Allowance for loan losses | 1,093,000 | 1,193,000 | 1,180,000 | 1,112,000 |
| Securities available for sale | 16,689,000 | 17,407,000 | 16,980,000 | 16,557,000 |
| Securities held to maturity | 3,193,000 | 4,451,000 | 4,336,000 | 4,331,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,095,000 | 99,036,000 | 101,982,000 | 105,108,000 |
| Interest-bearing deposits | 77,666,000 | 79,562,000 | 81,263,000 | 81,514,000 |
| Noninterest-bearing deposits | 20,429,000 | 19,474,000 | 20,719,000 | 23,594,000 |
| Equity capital | 9,628,000 | 9,715,000 | 9,891,000 | 10,204,000 |
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 | 1,681,000 | 3,444,000 | 5,274,000 | 7,236,000 |
| Interest expense | 349,000 | 731,000 | 1,193,000 | 1,724,000 |
| Net interest income | 1,332,000 | 2,713,000 | 4,081,000 | 5,512,000 |
| Noninterest income | 501,000 | 981,000 | 1,495,000 | 2,127,000 |
| Noninterest expense | 1,494,000 | 2,923,000 | 4,397,000 | 5,805,000 |
| Provision for loan losses | 147,000 | 494,000 | 514,000 | 514,000 |
| Pretax income | 192,000 | 277,000 | 665,000 | 1,320,000 |
| Income tax | 56,000 | 66,000 | 189,000 | 414,000 |
| Net income | 136,000 | 211,000 | 476,000 | 906,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,825,000 | 9,853,000 | 10,068,000 | 10,458,000 |
| Total capital | 10,873,000 | 10,942,000 | 11,226,000 | 11,570,000 |
| Risk-weighted assets | 83,786,000 | 87,050,000 | 92,609,000 | 93,692,000 |