Call reports 2005
BANK OF ELMWOOD — 2005
What BANK OF ELMWOOD 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 | 257,919,000 | 263,907,000 | 276,527,000 | 289,526,000 |
| Total loans | 203,343,000 | 212,670,000 | 225,670,000 | 244,119,000 |
| Allowance for loan losses | 2,644,000 | 2,764,000 | 2,933,000 | 3,174,000 |
| Securities available for sale | 33,131,000 | 31,071,000 | 29,940,000 | 29,317,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,673,000 | 195,302,000 | 209,208,000 | 214,286,000 |
| Interest-bearing deposits | 156,939,000 | 162,242,000 | 178,160,000 | 181,245,000 |
| Noninterest-bearing deposits | 30,734,000 | 33,061,000 | 31,047,000 | 33,041,000 |
| Equity capital | 19,726,000 | 20,183,000 | 20,462,000 | 20,552,000 |
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 | 3,601,000 | 7,427,000 | 11,579,000 | 16,141,000 |
| Interest expense | 865,000 | 1,870,000 | 3,072,000 | 4,531,000 |
| Net interest income | 2,736,000 | 5,557,000 | 8,507,000 | 11,610,000 |
| Noninterest income | 655,000 | 1,219,000 | 1,788,000 | 2,338,000 |
| Noninterest expense | 2,544,000 | 5,074,000 | 7,656,000 | 10,347,000 |
| Provision for loan losses | 167,000 | 357,000 | 619,000 | 899,000 |
| Pretax income | 680,000 | 1,345,000 | 2,020,000 | 2,702,000 |
| Income tax | 13,000 | 13,000 | 16,000 | 16,000 |
| Net income | 667,000 | 1,332,000 | 2,004,000 | 2,686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,261,000 | 20,262,000 | 20,670,000 | 20,986,000 |
| Total capital | 22,641,000 | 22,724,000 | 23,268,000 | 23,711,000 |
| Risk-weighted assets | 190,100,000 | 196,660,000 | 207,490,000 | 217,583,000 |