Call reports 2005
INBANK — 2005
What INBANK 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 | 169,150,000 | 174,312,000 | 181,448,000 | 181,393,000 |
| Total loans | 120,546,000 | 126,967,000 | 136,752,000 | 135,423,000 |
| Allowance for loan losses | 1,274,000 | 1,306,000 | 1,333,000 | 1,537,000 |
| Securities available for sale | 40,525,000 | 38,438,000 | 36,306,000 | 34,858,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,332,000 | 146,888,000 | 154,139,000 | 153,378,000 |
| Interest-bearing deposits | 141,070,000 | 140,912,000 | 147,012,000 | 146,087,000 |
| Noninterest-bearing deposits | 4,262,000 | 5,976,000 | 7,127,000 | 7,291,000 |
| Equity capital | 13,191,000 | 12,571,000 | 13,118,000 | 13,129,000 |
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 | 2,625,000 | 5,459,000 | 8,618,000 | 12,115,000 |
| Interest expense | 477,000 | 1,018,000 | 1,704,000 | 2,495,000 |
| Net interest income | 2,148,000 | 4,441,000 | 6,914,000 | 9,620,000 |
| Noninterest income | 323,000 | 810,000 | 1,378,000 | 1,876,000 |
| Noninterest expense | 1,466,000 | 2,932,000 | 4,531,000 | 6,610,000 |
| Provision for loan losses | 0 | 25,000 | 115,000 | 345,000 |
| Pretax income | 1,005,000 | 2,294,000 | 3,599,000 | 4,252,000 |
| Income tax | 11,000 | 26,000 | 42,000 | 48,000 |
| Net income | 994,000 | 2,268,000 | 3,557,000 | 4,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,759,000 | 13,038,000 | 13,577,000 | 13,474,000 |
| Total capital | 15,106,000 | 14,417,000 | 14,997,000 | 15,094,000 |
| Risk-weighted assets | 131,377,000 | 138,546,000 | 146,732,000 | 149,918,000 |