Call reports 2005
COUNTY BANK — 2005
What COUNTY 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 | 286,365,000 | 298,551,000 | 327,856,000 | 328,471,000 |
| Total loans | 241,315,000 | 247,718,000 | 262,224,000 | 266,742,000 |
| Allowance for loan losses | 4,132,000 | 3,579,000 | 3,018,000 | 2,076,000 |
| Securities available for sale | 14,211,000 | 14,315,000 | 14,154,000 | 14,121,000 |
| Securities held to maturity | 2,160,000 | 2,160,000 | 2,160,000 | 2,159,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,487,000 | 261,152,000 | 273,595,000 | 270,871,000 |
| Interest-bearing deposits | 208,143,000 | 216,133,000 | 225,443,000 | 230,068,000 |
| Noninterest-bearing deposits | 42,344,000 | 45,019,000 | 48,152,000 | 40,803,000 |
| Equity capital | 29,625,000 | 31,426,000 | 32,503,000 | 33,185,000 |
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 | 7,224,000 | 14,418,000 | 20,205,000 | 24,966,000 |
| Interest expense | 810,000 | 1,712,000 | 2,801,000 | 4,077,000 |
| Net interest income | 6,414,000 | 12,706,000 | 17,404,000 | 20,889,000 |
| Noninterest income | 425,000 | 850,000 | 1,283,000 | 1,679,000 |
| Noninterest expense | 3,061,000 | 6,138,000 | 9,003,000 | 11,693,000 |
| Provision for loan losses | 350,000 | 350,000 | 0 | -1,100,000 |
| Pretax income | 3,428,000 | 7,068,000 | 9,684,000 | 11,975,000 |
| Income tax | 1,214,000 | 2,507,000 | 3,325,000 | 4,109,000 |
| Net income | 2,214,000 | 4,561,000 | 6,359,000 | 7,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,440,000 | 30,172,000 | 31,355,000 | 32,500,000 |
| Total capital | 31,494,000 | 33,322,000 | 34,373,000 | 34,576,000 |
| Risk-weighted assets | 243,228,000 | 251,525,000 | 270,797,000 | 268,203,000 |