Call reports 2005
BLC BANK NATIONAL ASSOCIATION — 2005
What BLC BANK NATIONAL ASSOCIATION 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 | 1,673,912,000 | 1,713,377,000 | 1,798,405,000 | 1,816,000,000 |
| Total loans | 1,239,631,000 | 1,271,652,000 | 1,347,082,000 | 1,340,389,000 |
| Allowance for loan losses | 12,399,000 | 12,621,000 | 13,267,000 | 13,868,000 |
| Securities available for sale | 231,002,000 | 226,862,000 | 216,265,000 | 203,354,000 |
| Securities held to maturity | 19,330,000 | 18,053,000 | 17,442,000 | 15,955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,205,354,000 | 1,212,899,000 | 1,257,513,000 | 1,305,534,000 |
| Interest-bearing deposits | 1,036,300,000 | 1,034,901,000 | 1,080,275,000 | 1,115,392,000 |
| Noninterest-bearing deposits | 169,054,000 | 177,998,000 | 177,238,000 | 190,142,000 |
| Equity capital | 185,121,000 | 192,135,000 | 193,034,000 | 197,121,000 |
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 | 26,797,000 | 55,060,000 | 84,869,000 | 115,952,000 |
| Interest expense | 6,840,000 | 14,697,000 | 23,790,000 | 33,677,000 |
| Net interest income | 19,957,000 | 40,363,000 | 61,079,000 | 82,275,000 |
| Noninterest income | 10,616,000 | 22,440,000 | 34,039,000 | 46,286,000 |
| Noninterest expense | 18,301,000 | 36,685,000 | 55,126,000 | 74,494,000 |
| Provision for loan losses | 219,000 | 820,000 | 1,739,000 | 2,701,000 |
| Pretax income | 12,187,000 | 25,551,000 | 38,630,000 | 52,116,000 |
| Income tax | 3,841,000 | 8,139,000 | 12,238,000 | 16,587,000 |
| Net income | 8,346,000 | 17,412,000 | 26,392,000 | 35,529,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 162,964,000 | 168,310,000 | 170,294,000 | 175,699,000 |
| Total capital | 177,780,000 | 183,327,000 | 186,022,000 | 192,072,000 |
| Risk-weighted assets | 1,511,617,000 | 1,538,511,000 | 1,597,669,000 | 1,593,738,000 |