Call reports 2005
CALUMET COUNTY BANK — 2005
What CALUMET COUNTY 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 | 70,375,000 | 69,239,000 | 69,270,000 | 71,560,000 |
| Total loans | 39,380,000 | 40,206,000 | 42,143,000 | 44,534,000 |
| Allowance for loan losses | 327,000 | 407,000 | 436,000 | 446,000 |
| Securities available for sale | 24,933,000 | 23,689,000 | 22,338,000 | 20,681,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,332,000 | 61,931,000 | 60,372,000 | 64,224,000 |
| Interest-bearing deposits | 52,666,000 | 52,714,000 | 50,666,000 | 52,914,000 |
| Noninterest-bearing deposits | 10,666,000 | 9,217,000 | 9,706,000 | 11,310,000 |
| Equity capital | 6,831,000 | 7,081,000 | 7,060,000 | 7,036,000 |
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 | 822,000 | 1,686,000 | 2,572,000 | 3,472,000 |
| Interest expense | 263,000 | 553,000 | 875,000 | 1,222,000 |
| Net interest income | 559,000 | 1,133,000 | 1,697,000 | 2,250,000 |
| Noninterest income | 50,000 | 118,000 | 191,000 | 261,000 |
| Noninterest expense | 487,000 | 993,000 | 1,469,000 | 1,914,000 |
| Provision for loan losses | 26,000 | 111,000 | 137,000 | 162,000 |
| Pretax income | 178,000 | 371,000 | 506,000 | 659,000 |
| Income tax | 32,000 | 67,000 | 86,000 | 116,000 |
| Net income | 146,000 | 304,000 | 420,000 | 543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,006,000 | 7,165,000 | 7,168,000 | 7,236,000 |
| Total capital | 7,333,000 | 7,572,000 | 7,604,000 | 7,682,000 |
| Risk-weighted assets | 43,592,000 | 44,160,000 | 45,344,000 | 48,716,000 |