Call reports 2005
SIGNATURE BANK — 2005
What SIGNATURE 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 | 173,192,000 | 193,758,000 | 222,760,000 | 225,447,000 |
| Total loans | 132,893,000 | 144,537,000 | 154,328,000 | 167,370,000 |
| Allowance for loan losses | 1,683,000 | 1,753,000 | 1,933,000 | 2,150,000 |
| Securities available for sale | 24,154,000 | 20,556,000 | 20,211,000 | 16,412,000 |
| Securities held to maturity | 5,167,000 | 6,318,000 | 8,469,000 | 15,919,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,336,000 | 166,498,000 | 194,179,000 | 190,886,000 |
| Interest-bearing deposits | 113,725,000 | 130,490,000 | 155,660,000 | 145,893,000 |
| Noninterest-bearing deposits | 28,612,000 | 36,008,000 | 38,518,000 | 44,993,000 |
| Equity capital | 12,080,000 | 13,957,000 | 15,746,000 | 16,129,000 |
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 | 2,471,000 | 5,137,000 | 8,256,000 | 11,777,000 |
| Interest expense | 727,000 | 1,511,000 | 2,534,000 | 3,669,000 |
| Net interest income | 1,744,000 | 3,626,000 | 5,722,000 | 8,108,000 |
| Noninterest income | 178,000 | 362,000 | 566,000 | 797,000 |
| Noninterest expense | 1,172,000 | 2,517,000 | 3,980,000 | 5,568,000 |
| Provision for loan losses | 188,000 | 257,000 | 437,000 | 657,000 |
| Pretax income | 564,000 | 1,160,000 | 1,817,000 | 2,517,000 |
| Income tax | 192,000 | 409,000 | 651,000 | 887,000 |
| Net income | 372,000 | 751,000 | 1,166,000 | 1,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,440,000 | 14,116,000 | 16,032,000 | 16,496,000 |
| Total capital | 14,123,000 | 15,869,000 | 17,965,000 | 18,646,000 |
| Risk-weighted assets | 145,805,000 | 158,671,000 | 165,131,000 | 179,597,000 |