Call reports 2005
BELL BANK — 2005
What BELL 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 | 1,221,202,000 | 1,332,355,000 | 1,417,756,000 | 1,453,449,000 |
| Total loans | 1,103,054,000 | 1,215,414,000 | 1,276,294,000 | 1,307,924,000 |
| Allowance for loan losses | 12,611,000 | 13,256,000 | 13,757,000 | 14,190,000 |
| Securities available for sale | 58,639,000 | 64,917,000 | 74,118,000 | 75,445,000 |
| Securities held to maturity | 4,472,000 | 3,212,000 | 3,204,000 | 3,205,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,040,095,000 | 1,074,308,000 | 1,159,711,000 | 1,192,928,000 |
| Interest-bearing deposits | 976,164,000 | 1,007,981,000 | 1,084,758,000 | 1,114,559,000 |
| Noninterest-bearing deposits | 63,931,000 | 66,327,000 | 74,953,000 | 78,369,000 |
| Equity capital | 103,753,000 | 112,604,000 | 119,481,000 | 124,128,000 |
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 | 16,219,000 | 34,195,000 | 54,527,000 | 76,615,000 |
| Interest expense | 5,683,000 | 12,417,000 | 20,811,000 | 30,262,000 |
| Net interest income | 10,536,000 | 21,778,000 | 33,716,000 | 46,353,000 |
| Noninterest income | 2,470,000 | 5,336,000 | 8,569,000 | 11,642,000 |
| Noninterest expense | 7,630,000 | 16,875,000 | 25,533,000 | 34,372,000 |
| Provision for loan losses | 375,000 | 975,000 | 1,575,000 | 2,175,000 |
| Pretax income | 5,001,000 | 9,265,000 | 15,179,000 | 21,450,000 |
| Income tax | 1,907,000 | 3,937,000 | 6,189,000 | 8,584,000 |
| Net income | 3,094,000 | 5,328,000 | 8,990,000 | 12,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,292,000 | 112,823,000 | 119,984,000 | 124,860,000 |
| Total capital | 116,903,000 | 126,079,000 | 133,741,000 | 139,050,000 |
| Risk-weighted assets | 1,134,187,000 | 1,246,682,000 | 1,320,068,000 | 1,359,748,000 |