Call reports 2005
FORWARD BANK — 2005
What FORWARD 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 | 154,270,000 | 155,599,000 | 160,211,000 | 159,313,000 |
| Total loans | 128,947,000 | 129,715,000 | 134,199,000 | 133,923,000 |
| Allowance for loan losses | 731,000 | 727,000 | 831,000 | 729,000 |
| Securities available for sale | 0 | 0 | 2,882,000 | 2,838,000 |
| Securities held to maturity | 6,448,000 | 6,580,000 | 6,440,000 | 5,436,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,643,000 | 118,404,000 | 123,808,000 | 123,728,000 |
| Interest-bearing deposits | 106,585,000 | 110,765,000 | 116,032,000 | 114,350,000 |
| Noninterest-bearing deposits | 7,058,000 | 7,639,000 | 7,776,000 | 9,378,000 |
| Equity capital | 26,977,000 | 27,336,000 | 27,708,000 | 27,889,000 |
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 | 2,102,000 | 4,207,000 | 6,379,000 | 8,598,000 |
| Interest expense | 698,000 | 1,467,000 | 2,306,000 | 3,231,000 |
| Net interest income | 1,404,000 | 2,740,000 | 4,073,000 | 5,367,000 |
| Noninterest income | 172,000 | 287,000 | 519,000 | 624,000 |
| Noninterest expense | 878,000 | 1,709,000 | 2,588,000 | 3,501,000 |
| Provision for loan losses | 105,000 | 150,000 | 246,000 | 351,000 |
| Pretax income | 593,000 | 1,168,000 | 1,758,000 | 2,062,000 |
| Income tax | 222,000 | 438,000 | 660,000 | 774,000 |
| Net income | 371,000 | 730,000 | 1,098,000 | 1,288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,952,000 | 27,311,000 | 27,679,000 | 27,869,000 |
| Total capital | 27,683,000 | 28,038,000 | 28,510,000 | 28,598,000 |
| Risk-weighted assets | 143,451,000 | 138,093,000 | 149,979,000 | 150,719,000 |