Call reports 2005
FREEDOM BANK OF SOUTHERN MISSOURI — 2005
What FREEDOM BANK OF SOUTHERN MISSOURI 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 | 62,433,000 | 62,121,000 | 63,484,000 | 65,404,000 |
| Total loans | 49,918,000 | 52,958,000 | 55,334,000 | 57,150,000 |
| Allowance for loan losses | 599,000 | 591,000 | 613,000 | 650,000 |
| Securities available for sale | 5,322,000 | 5,997,000 | 5,193,000 | 5,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,487,000 | 52,562,000 | 53,635,000 | 56,724,000 |
| Interest-bearing deposits | 50,659,000 | 46,690,000 | 47,969,000 | 50,608,000 |
| Noninterest-bearing deposits | 5,828,000 | 5,872,000 | 5,666,000 | 6,116,000 |
| Equity capital | 4,623,000 | 4,917,000 | 5,140,000 | 5,179,000 |
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 | 965,000 | 2,004,000 | 3,075,000 | 4,211,000 |
| Interest expense | 294,000 | 610,000 | 962,000 | 1,380,000 |
| Net interest income | 671,000 | 1,394,000 | 2,113,000 | 2,831,000 |
| Noninterest income | 114,000 | 258,000 | 444,000 | 576,000 |
| Noninterest expense | 411,000 | 847,000 | 1,277,000 | 1,719,000 |
| Provision for loan losses | 36,000 | 62,000 | 108,000 | 153,000 |
| Pretax income | 338,000 | 743,000 | 1,172,000 | 1,535,000 |
| Income tax | 127,000 | 295,000 | 475,000 | 614,000 |
| Net income | 211,000 | 448,000 | 697,000 | 921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,684,000 | 4,921,000 | 5,170,000 | 5,244,000 |
| Total capital | 5,283,000 | 5,512,000 | 5,783,000 | 5,875,000 |
| Risk-weighted assets | 48,149,000 | 48,998,000 | 52,229,000 | 50,479,000 |