Call reports 2005
ASCENCIA BANK, INC. — 2005
What ASCENCIA BANK, INC. 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 | 306,415,000 | 326,443,000 | 340,603,000 | 367,191,000 |
| Total loans | 253,895,000 | 254,571,000 | 275,229,000 | 274,917,000 |
| Allowance for loan losses | 3,812,000 | 4,113,000 | 4,364,000 | 4,178,000 |
| Securities available for sale | 43,541,000 | 51,000,000 | 49,516,000 | 45,793,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,172,000 | 287,066,000 | 293,976,000 | 313,996,000 |
| Interest-bearing deposits | 240,147,000 | 278,989,000 | 287,841,000 | 306,152,000 |
| Noninterest-bearing deposits | 9,025,000 | 8,077,000 | 6,135,000 | 7,844,000 |
| Equity capital | 30,147,000 | 31,237,000 | 32,135,000 | 39,122,000 |
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 | 4,511,000 | 9,395,000 | 14,730,000 | 20,642,000 |
| Interest expense | 1,969,000 | 4,276,000 | 6,808,000 | 9,707,000 |
| Net interest income | 2,542,000 | 5,119,000 | 7,922,000 | 10,935,000 |
| Noninterest income | 423,000 | 607,000 | 791,000 | 927,000 |
| Noninterest expense | 1,111,000 | 2,243,000 | 3,367,000 | 4,602,000 |
| Provision for loan losses | 105,000 | 210,000 | 461,000 | 712,000 |
| Pretax income | 1,749,000 | 3,295,000 | 4,907,000 | 6,570,000 |
| Income tax | 565,000 | 1,053,000 | 1,584,000 | 2,113,000 |
| Net income | 1,184,000 | 2,242,000 | 3,323,000 | 4,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,205,000 | 31,113,000 | 32,024,000 | 31,191,000 |
| Total capital | 33,427,000 | 34,367,000 | 35,514,000 | 34,741,000 |
| Risk-weighted assets | 257,163,000 | 259,468,000 | 278,361,000 | 283,347,000 |