Call reports 2005
BRADFORD NATIONAL BANK OF GREENVILLE, THE — 2005
What BRADFORD NATIONAL BANK OF GREENVILLE, THE 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 | 193,936,000 | 190,557,000 | 192,742,000 | 192,912,000 |
| Total loans | 84,845,000 | 89,343,000 | 94,267,000 | 97,203,000 |
| Allowance for loan losses | 1,183,000 | 1,190,000 | 1,203,000 | 1,234,000 |
| Securities available for sale | 88,134,000 | 85,225,000 | 81,975,000 | 79,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,436,000 | 160,385,000 | 155,940,000 | 158,168,000 |
| Interest-bearing deposits | 142,057,000 | 138,180,000 | 134,461,000 | 133,912,000 |
| Noninterest-bearing deposits | 24,379,000 | 22,205,000 | 21,479,000 | 24,256,000 |
| Equity capital | 16,826,000 | 17,056,000 | 17,296,000 | 16,882,000 |
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 | 2,312,000 | 4,665,000 | 7,078,000 | 9,532,000 |
| Interest expense | 875,000 | 1,737,000 | 2,703,000 | 3,705,000 |
| Net interest income | 1,437,000 | 2,928,000 | 4,375,000 | 5,827,000 |
| Noninterest income | 222,000 | 477,000 | 766,000 | 1,058,000 |
| Noninterest expense | 1,234,000 | 2,475,000 | 3,638,000 | 4,821,000 |
| Provision for loan losses | 33,000 | 62,000 | 92,000 | 163,000 |
| Pretax income | 392,000 | 868,000 | 1,412,000 | 1,902,000 |
| Income tax | 67,000 | 126,000 | 214,000 | 323,000 |
| Net income | 325,000 | 742,000 | 1,198,000 | 1,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,406,000 | 16,558,000 | 16,985,000 | 16,860,000 |
| Total capital | 17,596,000 | 17,748,000 | 18,188,000 | 18,094,000 |
| Risk-weighted assets | 116,120,000 | 117,574,000 | 121,994,000 | 123,222,000 |