Call reports 2005
NORBANK — 2005
What NORBANK 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 | 34,726,000 | 35,267,000 | 36,148,000 | 35,139,000 |
| Total loans | 15,220,000 | 15,605,000 | 15,115,000 | 14,983,000 |
| Allowance for loan losses | 385,000 | 388,000 | 253,000 | 276,000 |
| Securities available for sale | 17,220,000 | 18,049,000 | 17,776,000 | 17,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,223,000 | 32,464,000 | 33,511,000 | 31,964,000 |
| Interest-bearing deposits | 23,538,000 | 23,771,000 | 24,648,000 | 23,507,000 |
| Noninterest-bearing deposits | 8,685,000 | 8,693,000 | 8,863,000 | 8,457,000 |
| Equity capital | 2,304,000 | 2,603,000 | 2,422,000 | 2,270,000 |
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 | 426,000 | 872,000 | 1,334,000 | 1,807,000 |
| Interest expense | 78,000 | 163,000 | 252,000 | 348,000 |
| Net interest income | 348,000 | 709,000 | 1,082,000 | 1,459,000 |
| Noninterest income | 24,000 | 52,000 | 76,000 | 100,000 |
| Noninterest expense | 239,000 | 474,000 | 715,000 | 972,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 50,000 |
| Pretax income | 133,000 | 287,000 | 413,000 | 537,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 12,000 |
| Net income | 130,000 | 281,000 | 404,000 | 525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,735,000 | 2,786,000 | 2,809,000 | 2,729,000 |
| Total capital | 2,951,000 | 3,007,000 | 3,029,000 | 2,955,000 |
| Risk-weighted assets | 17,126,000 | 17,476,000 | 17,539,000 | 18,064,000 |