Call reports 2005
CROSSBRIDGE COMMUNITY BANK — 2005
What CROSSBRIDGE COMMUNITY 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 | 75,785,000 | 76,379,000 | 78,880,000 | 78,157,000 |
| Total loans | 42,018,000 | 43,456,000 | 43,686,000 | 41,905,000 |
| Allowance for loan losses | 303,000 | 286,000 | 305,000 | 316,000 |
| Securities available for sale | 11,779,000 | 9,449,000 | 9,802,000 | 9,432,000 |
| Securities held to maturity | 9,698,000 | 10,453,000 | 11,481,000 | 14,137,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,047,000 | 60,307,000 | 62,098,000 | 62,010,000 |
| Interest-bearing deposits | 53,545,000 | 54,303,000 | 54,843,000 | 56,284,000 |
| Noninterest-bearing deposits | 4,502,000 | 6,004,000 | 7,254,000 | 5,726,000 |
| Equity capital | 9,127,000 | 9,373,000 | 9,267,000 | 9,465,000 |
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 | 903,000 | 1,856,000 | 2,800,000 | 3,789,000 |
| Interest expense | 257,000 | 541,000 | 837,000 | 1,160,000 |
| Net interest income | 646,000 | 1,315,000 | 1,963,000 | 2,629,000 |
| Noninterest income | 148,000 | 300,000 | 461,000 | 619,000 |
| Noninterest expense | 640,000 | 1,238,000 | 1,877,000 | 2,516,000 |
| Provision for loan losses | 15,000 | 18,000 | 30,000 | 42,000 |
| Pretax income | 139,000 | 359,000 | 517,000 | 690,000 |
| Income tax | 55,000 | 131,000 | 188,000 | 249,000 |
| Net income | 84,000 | 228,000 | 329,000 | 441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,231,000 | 9,375,000 | 9,342,000 | 9,542,000 |
| Total capital | 9,534,000 | 9,661,000 | 9,647,000 | 9,858,000 |
| Risk-weighted assets | 44,344,000 | 62,769,000 | 76,819,000 | 66,273,000 |