Call reports 2005
NEW CENTURY BANK — 2005
What NEW CENTURY 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 | 14,398,000 | 14,919,000 | 15,532,000 | 16,736,000 |
| Total loans | 5,004,000 | 6,353,000 | 7,661,000 | 8,195,000 |
| Allowance for loan losses | 295,000 | 294,000 | 268,000 | 266,000 |
| Securities available for sale | 254,000 | 251,000 | 252,000 | 250,000 |
| Securities held to maturity | 7,685,000 | 7,363,000 | 6,616,000 | 6,626,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,353,000 | 12,202,000 | 13,462,000 | 14,782,000 |
| Interest-bearing deposits | 10,596,000 | 10,363,000 | 11,742,000 | 12,424,000 |
| Noninterest-bearing deposits | 1,757,000 | 1,839,000 | 1,720,000 | 2,358,000 |
| Equity capital | 1,832,000 | 1,745,000 | 1,690,000 | 1,733,000 |
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 | 167,000 | 374,000 | 340,000 | 589,000 |
| Interest expense | 42,000 | 90,000 | 92,000 | 166,000 |
| Net interest income | 125,000 | 284,000 | 248,000 | 423,000 |
| Noninterest income | 24,000 | 53,000 | 71,000 | 132,000 |
| Noninterest expense | 143,000 | 293,000 | 257,000 | 447,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 6,000 | 44,000 | 62,000 | 108,000 |
| Income tax | 0 | 0 | 0 | 5,000 |
| Net income | 6,000 | 44,000 | 543,000 | 584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,827,000 | 1,747,000 | 1,690,000 | 1,634,000 |
| Total capital | 1,911,000 | 1,841,000 | 1,802,000 | 1,759,000 |
| Risk-weighted assets | 6,533,000 | 7,317,000 | 8,814,000 | 9,856,000 |