Call reports 2005

FIRST OPTION BANK — 2005

Name: FIRST OPTION BANK — FFIEC call report 2005
Creator: FIRST OPTION BANK

What FIRST OPTION BANK reported to the FFIEC in 2005, quarter by quarter.

PERIOD: 2005SOURCE: FFIEC Call ReportEvery measure source-linked

Cite: FACTANKER, https://factanker.com/entity/9730dab3-d66f-46aa-bc7d-181a5d50d6c4/2005

Balance sheet

What the bank holds and owes at quarter end

Measure	2005Q1	2005Q2	2005Q3	2005Q4
Total assets	125,639,000	126,630,000	124,475,000	125,557,000
Total loans	97,456,000	94,724,000	94,941,000	94,815,000
Allowance for loan losses	1,179,000	1,213,000	874,000	846,000
Securities available for sale	20,993,000	21,767,000	22,866,000	22,984,000
Securities held to maturity	0	0	0	0
Trading assets	0	0	0	0
Total deposits	109,273,000	111,768,000	106,445,000	111,783,000
Interest-bearing deposits	98,739,000	100,829,000	94,303,000	100,422,000
Noninterest-bearing deposits	10,535,000	10,939,000	12,142,000	11,362,000
Equity capital	9,510,000	9,815,000	10,132,000	9,509,000

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	1,804,000	3,631,000	5,483,000	7,413,000
Interest expense	533,000	1,142,000	1,780,000	2,504,000
Net interest income	1,271,000	2,489,000	3,703,000	4,909,000
Noninterest income	337,000	709,000	1,087,000	1,516,000
Noninterest expense	1,068,000	2,224,000	3,390,000	4,524,000
Provision for loan losses	0	0	-339,000	-339,000
Pretax income	513,000	947,000	1,712,000	2,003,000
Income tax	20,000	32,000	72,000	83,000
Net income	493,000	915,000	1,640,000	1,920,000

Basel measures — not reported for every quarter

Measure	2005Q1	2005Q2	2005Q3	2005Q4
Tier 1 capital	9,699,000	9,784,000	10,188,000	9,591,000
Total capital	10,711,000	10,779,000	11,062,000	10,437,000
Risk-weighted assets	80,784,000	79,398,000	79,623,000	80,533,000