Call reports 2005
TRADERS BANK — 2005
What TRADERS 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 | 119,513,000 | 116,786,000 | 118,255,000 | 114,417,000 |
| Total loans | 90,566,000 | 89,796,000 | 89,842,000 | 84,021,000 |
| Allowance for loan losses | 1,264,000 | 2,363,000 | 2,182,000 | 1,760,000 |
| Securities available for sale | 5,054,000 | 4,752,000 | 5,535,000 | 6,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,531,000 | 106,960,000 | 107,866,000 | 104,003,000 |
| Interest-bearing deposits | 87,185,000 | 84,152,000 | 84,422,000 | 80,177,000 |
| Noninterest-bearing deposits | 21,346,000 | 22,808,000 | 23,444,000 | 23,826,000 |
| Equity capital | 10,667,000 | 9,498,000 | 10,057,000 | 10,105,000 |
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 | 1,530,000 | 3,136,000 | 4,793,000 | 6,508,000 |
| Interest expense | 396,000 | 823,000 | 1,280,000 | 1,752,000 |
| Net interest income | 1,134,000 | 2,313,000 | 3,513,000 | 4,756,000 |
| Noninterest income | 388,000 | 775,000 | 1,170,000 | 1,519,000 |
| Noninterest expense | 818,000 | 1,651,000 | 2,564,000 | 3,550,000 |
| Provision for loan losses | 40,000 | 1,200,000 | 1,260,000 | 1,780,000 |
| Pretax income | 664,000 | 237,000 | 859,000 | 945,000 |
| Income tax | 61,000 | 49,000 | 91,000 | 66,000 |
| Net income | 603,000 | 188,000 | 768,000 | 879,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,633,000 | 9,468,000 | 10,048,000 | 10,163,000 |
| Total capital | 11,685,000 | 10,521,000 | 11,106,000 | 11,165,000 |
| Risk-weighted assets | 83,926,000 | 82,937,000 | 83,582,000 | 79,480,000 |