Call reports 2005
INBANK — 2005
What INBANK 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 | 162,010,000 | 161,098,000 | 163,033,000 | 162,174,000 |
| Total loans | 110,948,000 | 112,734,000 | 119,296,000 | 118,534,000 |
| Allowance for loan losses | 1,477,000 | 1,448,000 | 1,471,000 | 1,408,000 |
| Securities available for sale | 28,156,000 | 31,318,000 | 29,070,000 | 24,786,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,501,000 | 145,144,000 | 147,211,000 | 147,021,000 |
| Interest-bearing deposits | 118,819,000 | 116,507,000 | 115,789,000 | 119,244,000 |
| Noninterest-bearing deposits | 27,682,000 | 28,637,000 | 31,422,000 | 27,777,000 |
| Equity capital | 14,713,000 | 14,642,000 | 14,619,000 | 14,457,000 |
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 | 2,554,000 | 5,164,000 | 7,896,000 | 10,691,000 |
| Interest expense | 582,000 | 1,218,000 | 1,915,000 | 2,740,000 |
| Net interest income | 1,972,000 | 3,946,000 | 5,981,000 | 7,951,000 |
| Noninterest income | 291,000 | 549,000 | 839,000 | 1,297,000 |
| Noninterest expense | 1,317,000 | 2,633,000 | 3,971,000 | 5,406,000 |
| Provision for loan losses | -10,000 | -10,000 | -10,000 | 85,000 |
| Pretax income | 956,000 | 1,872,000 | 2,859,000 | 3,757,000 |
| Income tax | 346,000 | 681,000 | 1,035,000 | 1,361,000 |
| Net income | 610,000 | 1,191,000 | 1,824,000 | 2,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,817,000 | 14,671,000 | 14,806,000 | 14,672,000 |
| Total capital | 16,304,000 | 16,129,000 | 16,287,000 | 16,090,000 |
| Risk-weighted assets | 119,854,000 | 120,786,000 | 125,411,000 | 124,532,000 |