Call reports 2005
TALMER WEST BANK — 2005
What TALMER WEST 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 | 332,888,000 | 335,034,000 | 328,524,000 | 320,184,000 |
| Total loans | 302,536,000 | 304,901,000 | 299,265,000 | 287,744,000 |
| Allowance for loan losses | 4,043,000 | 4,215,000 | 4,203,000 | 4,712,000 |
| Securities available for sale | 236,000 | 238,000 | 235,000 | 232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,964,000 | 282,042,000 | 276,480,000 | 270,392,000 |
| Interest-bearing deposits | 234,526,000 | 230,089,000 | 226,857,000 | 223,859,000 |
| Noninterest-bearing deposits | 45,438,000 | 51,953,000 | 49,623,000 | 46,533,000 |
| Equity capital | 26,553,000 | 26,891,000 | 26,866,000 | 26,598,000 |
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 | 5,155,000 | 10,529,000 | 16,287,000 | 21,920,000 |
| Interest expense | 1,544,000 | 3,259,000 | 5,148,000 | 7,143,000 |
| Net interest income | 3,611,000 | 7,270,000 | 11,139,000 | 14,777,000 |
| Noninterest income | 612,000 | 1,108,000 | 1,607,000 | 2,115,000 |
| Noninterest expense | 2,009,000 | 4,046,000 | 6,180,000 | 8,186,000 |
| Provision for loan losses | 835,000 | 1,154,000 | 1,378,000 | 2,634,000 |
| Pretax income | 1,379,000 | 3,178,000 | 5,188,000 | 6,072,000 |
| Income tax | 469,000 | 1,081,000 | 1,765,000 | 2,065,000 |
| Net income | 910,000 | 2,097,000 | 3,423,000 | 4,007,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,556,000 | 26,892,000 | 26,869,000 | 26,603,000 |
| Total capital | 30,311,000 | 30,650,000 | 30,562,000 | 30,168,000 |
| Risk-weighted assets | 300,110,000 | 300,160,000 | 294,965,000 | 284,059,000 |