Call reports 2005
BANK OF CASHTON — 2005
What BANK OF CASHTON 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 | 45,390,000 | 46,540,000 | 47,600,000 | 48,204,000 |
| Total loans | 34,071,000 | 35,694,000 | 36,021,000 | 36,490,000 |
| Allowance for loan losses | 634,000 | 646,000 | 646,000 | 672,000 |
| Securities available for sale | 8,149,000 | 8,351,000 | 8,224,000 | 8,502,000 |
| Securities held to maturity | 185,000 | 80,000 | 80,000 | 80,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,801,000 | 40,646,000 | 40,226,000 | 41,848,000 |
| Interest-bearing deposits | 36,685,000 | 35,999,000 | 35,218,000 | 36,482,000 |
| Noninterest-bearing deposits | 4,116,000 | 4,647,000 | 5,008,000 | 5,366,000 |
| Equity capital | 4,362,000 | 4,576,000 | 4,372,000 | 4,461,000 |
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 | 698,000 | 1,418,000 | 2,184,000 | 2,963,000 |
| Interest expense | 243,000 | 496,000 | 759,000 | 1,071,000 |
| Net interest income | 455,000 | 922,000 | 1,425,000 | 1,892,000 |
| Noninterest income | 95,000 | 150,000 | 211,000 | 273,000 |
| Noninterest expense | 345,000 | 649,000 | 993,000 | 1,326,000 |
| Provision for loan losses | 6,000 | 18,000 | 18,000 | 18,000 |
| Pretax income | 199,000 | 405,000 | 625,000 | 821,000 |
| Income tax | 32,000 | 96,000 | 162,000 | 207,000 |
| Net income | 167,000 | 309,000 | 463,000 | 614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,358,000 | 4,499,000 | 4,352,000 | 4,477,000 |
| Total capital | 4,821,000 | 4,978,000 | 4,838,000 | 4,976,000 |
| Risk-weighted assets | 36,889,000 | 38,136,000 | 38,745,000 | 39,721,000 |