Call reports 2005
XENITH BANK — 2005
What XENITH 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 | 87,901,000 | 93,870,000 | 98,088,000 | 106,039,000 |
| Total loans | 47,895,000 | 54,567,000 | 60,577,000 | 62,486,000 |
| Allowance for loan losses | 397,000 | 468,000 | 517,000 | 612,000 |
| Securities available for sale | 34,154,000 | 31,432,000 | 33,467,000 | 39,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,643,000 | 78,504,000 | 82,407,000 | 86,896,000 |
| Interest-bearing deposits | 62,665,000 | 65,888,000 | 72,255,000 | 74,274,000 |
| Noninterest-bearing deposits | 9,978,000 | 12,616,000 | 10,152,000 | 12,622,000 |
| Equity capital | 14,665,000 | 14,818,000 | 14,792,000 | 14,769,000 |
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 | 989,000 | 2,114,000 | 3,381,000 | 4,790,000 |
| Interest expense | 393,000 | 874,000 | 1,458,000 | 2,109,000 |
| Net interest income | 596,000 | 1,240,000 | 1,923,000 | 2,681,000 |
| Noninterest income | 103,000 | 205,000 | 305,000 | 392,000 |
| Noninterest expense | 652,000 | 1,307,000 | 1,980,000 | 2,627,000 |
| Provision for loan losses | 66,000 | 137,000 | 186,000 | 280,000 |
| Pretax income | -19,000 | 1,000 | 62,000 | 166,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -19,000 | 1,000 | 62,000 | 166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,941,000 | 14,954,000 | 15,015,000 | 15,118,000 |
| Total capital | 15,338,000 | 15,422,000 | 15,532,000 | 15,731,000 |
| Risk-weighted assets | 48,824,000 | 54,356,000 | 56,897,000 | 60,030,000 |