Call reports 2005
CREDICARD NATIONAL BANK — 2005
What CREDICARD NATIONAL 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 | 8,241,000 | 8,870,000 | 8,927,000 | 10,580,000 |
| Total loans | 6,906,000 | 6,923,000 | 7,194,000 | 7,888,000 |
| Allowance for loan losses | 115,000 | 115,000 | 115,000 | 115,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,419,000 | 6,010,000 | 6,058,000 | 7,722,000 |
| Interest-bearing deposits | 5,137,000 | 5,744,000 | 5,737,000 | 7,458,000 |
| Noninterest-bearing deposits | 282,000 | 266,000 | 321,000 | 264,000 |
| Equity capital | 2,797,000 | 2,835,000 | 2,837,000 | 2,828,000 |
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 | 380,000 | 766,000 | 1,146,000 | 1,540,000 |
| Interest expense | 60,000 | 128,000 | 197,000 | 276,000 |
| Net interest income | 320,000 | 638,000 | 949,000 | 1,264,000 |
| Noninterest income | 2,000 | 4,000 | 5,000 | 1,000 |
| Noninterest expense | 285,000 | 556,000 | 846,000 | 1,151,000 |
| Provision for loan losses | 10,000 | 21,000 | 41,000 | 56,000 |
| Pretax income | 27,000 | 65,000 | 67,000 | 58,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 27,000 | 65,000 | 67,000 | 58,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,797,000 | 2,835,000 | 2,837,000 | 2,828,000 |
| Total capital | 2,897,000 | 2,938,000 | 2,946,000 | 2,943,000 |
| Risk-weighted assets | 8,003,000 | 8,235,000 | 8,688,000 | 9,581,000 |