Call reports 2005
NCW COMMUNITY BANK — 2005
What NCW 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 | 63,890,000 | 73,091,000 | 77,899,000 | 82,818,000 |
| Total loans | 51,821,000 | 59,901,000 | 63,038,000 | 64,399,000 |
| Allowance for loan losses | 795,000 | 890,000 | 986,000 | 1,005,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,700,000 | 4,700,000 | 4,700,000 | 4,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,797,000 | 65,716,000 | 70,207,000 | 74,650,000 |
| Interest-bearing deposits | 50,656,000 | 59,553,000 | 59,518,000 | 64,532,000 |
| Noninterest-bearing deposits | 6,141,000 | 6,163,000 | 10,689,000 | 10,118,000 |
| Equity capital | 6,822,000 | 6,961,000 | 7,124,000 | 7,336,000 |
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 | 972,000 | 2,143,000 | 3,447,000 | 4,803,000 |
| Interest expense | 284,000 | 603,000 | 1,004,000 | 1,442,000 |
| Net interest income | 688,000 | 1,540,000 | 2,443,000 | 3,361,000 |
| Noninterest income | 35,000 | 74,000 | 111,000 | 155,000 |
| Noninterest expense | 543,000 | 1,120,000 | 1,709,000 | 2,341,000 |
| Provision for loan losses | 38,000 | 133,000 | 229,000 | 248,000 |
| Pretax income | 142,000 | 361,000 | 616,000 | 927,000 |
| Income tax | 44,000 | 124,000 | 216,000 | 315,000 |
| Net income | 98,000 | 237,000 | 400,000 | 612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,822,000 | 6,961,000 | 7,124,000 | 7,336,000 |
| Total capital | 7,510,000 | 7,758,000 | 7,971,000 | 8,208,000 |
| Risk-weighted assets | 54,971,000 | 63,629,000 | 67,660,000 | 69,638,000 |