Call reports 2005
BANK OF LUMBER CITY — 2005
What BANK OF LUMBER CITY 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 | 22,921,000 | 22,773,000 | 23,859,000 | 24,261,000 |
| Total loans | 15,496,000 | 16,215,000 | 16,258,000 | 15,650,000 |
| Allowance for loan losses | 266,000 | 254,000 | 249,000 | 281,000 |
| Securities available for sale | 3,280,000 | 3,636,000 | 4,614,000 | 4,564,000 |
| Securities held to maturity | 975,000 | 910,000 | 832,000 | 774,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,225,000 | 18,936,000 | 19,894,000 | 20,326,000 |
| Interest-bearing deposits | 15,418,000 | 15,076,000 | 16,326,000 | 16,746,000 |
| Noninterest-bearing deposits | 3,807,000 | 3,860,000 | 3,568,000 | 3,580,000 |
| Equity capital | 3,602,000 | 3,696,000 | 3,775,000 | 3,743,000 |
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 | 355,000 | 728,000 | 1,120,000 | 1,518,000 |
| Interest expense | 70,000 | 159,000 | 269,000 | 382,000 |
| Net interest income | 285,000 | 569,000 | 851,000 | 1,136,000 |
| Noninterest income | 74,000 | 156,000 | 251,000 | 340,000 |
| Noninterest expense | 295,000 | 554,000 | 806,000 | 1,154,000 |
| Provision for loan losses | 0 | 0 | 0 | 45,000 |
| Pretax income | 63,000 | 170,000 | 295,000 | 275,000 |
| Income tax | 0 | 24,000 | 59,000 | 40,000 |
| Net income | 63,000 | 146,000 | 236,000 | 235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,586,000 | 3,669,000 | 3,759,000 | 3,758,000 |
| Total capital | 3,783,000 | 3,873,000 | 3,968,000 | 3,964,000 |
| Risk-weighted assets | 15,722,000 | 16,308,000 | 16,648,000 | 16,391,000 |