Call reports 2005
DISCOVERY BANK — 2005
What DISCOVERY 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 | 119,698,000 | 127,486,000 | 138,778,000 | 142,222,000 |
| Total loans | 94,555,000 | 103,351,000 | 110,427,000 | 117,458,000 |
| Allowance for loan losses | 1,157,000 | 1,281,000 | 1,397,000 | 1,531,000 |
| Securities available for sale | 3,125,000 | 3,827,000 | 3,499,000 | 3,402,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,138,000 | 106,590,000 | 114,898,000 | 115,497,000 |
| Interest-bearing deposits | 84,423,000 | 87,820,000 | 88,839,000 | 91,017,000 |
| Noninterest-bearing deposits | 15,716,000 | 18,771,000 | 26,060,000 | 24,480,000 |
| Equity capital | 10,410,000 | 10,747,000 | 11,009,000 | 13,648,000 |
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 | 1,648,000 | 3,692,000 | 6,057,000 | 8,607,000 |
| Interest expense | 507,000 | 1,187,000 | 1,975,000 | 2,789,000 |
| Net interest income | 1,141,000 | 2,505,000 | 4,082,000 | 5,818,000 |
| Noninterest income | 54,000 | 264,000 | 390,000 | 615,000 |
| Noninterest expense | 893,000 | 1,900,000 | 3,075,000 | 4,438,000 |
| Provision for loan losses | 159,000 | 282,000 | 399,000 | 532,000 |
| Pretax income | 143,000 | 587,000 | 998,000 | 1,463,000 |
| Income tax | 51,000 | 186,000 | 326,000 | 616,000 |
| Net income | 92,000 | 401,000 | 672,000 | 847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,457,000 | 10,769,000 | 11,040,000 | 13,715,000 |
| Total capital | 11,632,000 | 12,081,000 | 12,468,000 | 15,282,000 |
| Risk-weighted assets | 105,626,000 | 115,065,000 | 124,650,000 | 134,903,000 |