Call reports 2005
U.S. CENTURY BANK — 2005
What U.S. CENTURY 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 | 450,000,000 | 556,203,000 | 725,660,000 | 849,829,000 |
| Total loans | 302,253,000 | 359,413,000 | 527,794,000 | 614,133,000 |
| Allowance for loan losses | 4,798,000 | 5,548,000 | 7,186,000 | 8,436,000 |
| Securities available for sale | 29,481,000 | 36,318,000 | 108,689,000 | 107,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,210,000 | 419,481,000 | 517,226,000 | 623,941,000 |
| Interest-bearing deposits | 257,730,000 | 334,210,000 | 398,405,000 | 492,442,000 |
| Noninterest-bearing deposits | 65,480,000 | 85,271,000 | 118,821,000 | 131,499,000 |
| Equity capital | 91,279,000 | 92,660,000 | 95,233,000 | 97,350,000 |
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 | 5,147,000 | 12,119,000 | 21,919,000 | 35,124,000 |
| Interest expense | 1,042,000 | 2,857,000 | 5,670,000 | 10,196,000 |
| Net interest income | 4,105,000 | 9,262,000 | 16,249,000 | 24,928,000 |
| Noninterest income | 321,000 | 721,000 | 1,200,000 | 1,723,000 |
| Noninterest expense | 2,176,000 | 4,759,000 | 7,673,000 | 11,445,000 |
| Provision for loan losses | 750,000 | 1,500,000 | 3,150,000 | 4,400,000 |
| Pretax income | 1,500,000 | 3,724,000 | 6,624,000 | 10,802,000 |
| Income tax | 570,000 | 1,415,000 | 2,523,000 | 4,143,000 |
| Net income | 930,000 | 2,309,000 | 4,101,000 | 6,659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,293,000 | 92,698,000 | 95,350,000 | 98,132,000 |
| Total capital | 96,091,000 | 98,246,000 | 102,536,000 | 106,568,000 |
| Risk-weighted assets | 394,336,000 | 501,978,000 | 619,025,000 | 691,735,000 |