Call reports 2005
TRUPOINT BANK — 2005
What TRUPOINT 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 | 388,367,000 | 385,036,000 | 387,344,000 | 398,121,000 |
| Total loans | 269,562,000 | 267,402,000 | 271,276,000 | 278,781,000 |
| Allowance for loan losses | 3,178,000 | 3,302,000 | 3,206,000 | 3,142,000 |
| Securities available for sale | 81,875,000 | 80,075,000 | 80,157,000 | 80,869,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 335,883,000 | 329,214,000 | 326,859,000 | 343,635,000 |
| Interest-bearing deposits | 288,523,000 | 277,694,000 | 274,813,000 | 288,428,000 |
| Noninterest-bearing deposits | 47,360,000 | 51,520,000 | 52,046,000 | 55,207,000 |
| Equity capital | 38,675,000 | 39,818,000 | 40,699,000 | 41,247,000 |
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 | 5,249,000 | 10,571,000 | 16,031,000 | 21,688,000 |
| Interest expense | 1,433,000 | 2,897,000 | 4,490,000 | 6,256,000 |
| Net interest income | 3,816,000 | 7,674,000 | 11,541,000 | 15,432,000 |
| Noninterest income | 606,000 | 1,281,000 | 1,948,000 | 2,571,000 |
| Noninterest expense | 2,626,000 | 5,339,000 | 7,949,000 | 10,559,000 |
| Provision for loan losses | 345,000 | 690,000 | 796,000 | 1,054,000 |
| Pretax income | 1,478,000 | 2,974,000 | 4,792,000 | 6,445,000 |
| Income tax | 304,000 | 616,000 | 1,041,000 | 1,413,000 |
| Net income | 1,174,000 | 2,358,000 | 3,751,000 | 5,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,701,000 | 33,738,000 | 35,023,000 | 36,179,000 |
| Total capital | 35,879,000 | 36,927,000 | 38,229,000 | 39,322,000 |
| Risk-weighted assets | 257,579,000 | 254,988,000 | 259,360,000 | 269,050,000 |