Call reports 2005
BANK OF LOUISA, NA — 2005
What BANK OF LOUISA, NA 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 | 22,113,000 | 24,685,000 | 28,620,000 | 29,050,000 |
| Total loans | 14,170,000 | 16,618,000 | 18,031,000 | 19,270,000 |
| Allowance for loan losses | 177,000 | 207,000 | 225,000 | 247,000 |
| Securities available for sale | 4,589,000 | 3,602,000 | 5,597,000 | 4,585,000 |
| Securities held to maturity | 0 | 0 | 1,399,000 | 1,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,820,000 | 20,715,000 | 23,645,000 | 23,920,000 |
| Interest-bearing deposits | 14,548,000 | 18,329,000 | 20,613,000 | 21,404,000 |
| Noninterest-bearing deposits | 3,272,000 | 2,386,000 | 3,032,000 | 2,516,000 |
| Equity capital | 4,088,000 | 3,907,000 | 4,849,000 | 4,772,000 |
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 | 285,000 | 634,000 | 1,052,000 | 1,531,000 |
| Interest expense | 85,000 | 190,000 | 323,000 | 466,000 |
| Net interest income | 200,000 | 444,000 | 729,000 | 1,065,000 |
| Noninterest income | 15,000 | 30,000 | 45,000 | 63,000 |
| Noninterest expense | 278,000 | 702,000 | 1,036,000 | 1,433,000 |
| Provision for loan losses | 9,000 | 39,000 | 57,000 | 79,000 |
| Pretax income | -72,000 | -267,000 | -319,000 | -384,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -72,000 | -267,000 | -319,000 | -384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,124,000 | 3,930,000 | 4,877,000 | 4,812,000 |
| Total capital | 4,301,000 | 4,137,000 | 5,102,000 | 5,059,000 |
| Risk-weighted assets | 18,080,000 | 21,083,000 | 22,828,000 | 24,060,000 |