Call reports 2005
TRI-COUNTY BANK — 2005
What TRI-COUNTY 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 | 26,231,000 | 26,448,000 | 27,256,000 | 29,043,000 |
| Total loans | 21,169,000 | 21,612,000 | 22,252,000 | 23,763,000 |
| Allowance for loan losses | 185,000 | 200,000 | 215,000 | 229,000 |
| Securities available for sale | 987,000 | 989,000 | 986,000 | 982,000 |
| Securities held to maturity | 795,000 | 924,000 | 924,000 | 909,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,166,000 | 19,788,000 | 21,671,000 | 23,855,000 |
| Interest-bearing deposits | 18,224,000 | 17,612,000 | 19,332,000 | 21,533,000 |
| Noninterest-bearing deposits | 1,942,000 | 2,176,000 | 2,339,000 | 2,322,000 |
| Equity capital | 2,863,000 | 2,916,000 | 2,938,000 | 2,970,000 |
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 | 368,000 | 777,000 | 1,179,000 | 1,619,000 |
| Interest expense | 141,000 | 288,000 | 449,000 | 630,000 |
| Net interest income | 227,000 | 489,000 | 730,000 | 989,000 |
| Noninterest income | 10,000 | 21,000 | 37,000 | 75,000 |
| Noninterest expense | 185,000 | 369,000 | 575,000 | 806,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 37,000 | 111,000 | 147,000 | 198,000 |
| Income tax | 12,000 | 36,000 | 48,000 | 64,000 |
| Net income | 25,000 | 75,000 | 99,000 | 134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,870,000 | 2,920,000 | 2,944,000 | 2,979,000 |
| Total capital | 3,055,000 | 3,120,000 | 3,159,000 | 3,208,000 |
| Risk-weighted assets | 20,538,000 | 21,251,000 | 22,122,000 | 23,636,000 |