Call reports 2005
ABBYBANK — 2005
What ABBYBANK 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 | 206,608,000 | 211,914,000 | 219,513,000 | 221,881,000 |
| Total loans | 162,549,000 | 170,417,000 | 177,472,000 | 179,169,000 |
| Allowance for loan losses | 2,271,000 | 2,491,000 | 2,537,000 | 2,580,000 |
| Securities available for sale | 31,163,000 | 30,912,000 | 30,028,000 | 29,055,000 |
| Securities held to maturity | 250,000 | 216,000 | 216,000 | 182,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,946,000 | 175,618,000 | 181,859,000 | 183,616,000 |
| Interest-bearing deposits | 156,929,000 | 160,308,000 | 169,534,000 | 168,907,000 |
| Noninterest-bearing deposits | 12,017,000 | 15,309,000 | 12,325,000 | 14,709,000 |
| Equity capital | 18,608,000 | 19,511,000 | 19,915,000 | 19,396,000 |
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 | 2,699,000 | 5,663,000 | 8,728,000 | 11,905,000 |
| Interest expense | 1,062,000 | 2,279,000 | 3,668,000 | 5,204,000 |
| Net interest income | 1,637,000 | 3,384,000 | 5,060,000 | 6,701,000 |
| Noninterest income | 261,000 | 504,000 | 764,000 | 965,000 |
| Noninterest expense | 987,000 | 1,988,000 | 2,956,000 | 3,948,000 |
| Provision for loan losses | 75,000 | 130,000 | 175,000 | 220,000 |
| Pretax income | 836,000 | 1,770,000 | 2,693,000 | 3,498,000 |
| Income tax | 338,000 | 597,000 | 903,000 | 1,139,000 |
| Net income | 498,000 | 1,173,000 | 1,790,000 | 2,359,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,521,000 | 19,185,000 | 19,803,000 | 19,420,000 |
| Total capital | 20,646,000 | 21,336,000 | 22,048,000 | 21,755,000 |
| Risk-weighted assets | 169,855,000 | 171,717,000 | 179,317,000 | 186,567,000 |