Call reports 2005
CUSB BANK — 2005
What CUSB 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 | 215,003,000 | 223,203,000 | 227,026,000 | 263,737,000 |
| Total loans | 139,135,000 | 145,550,000 | 149,146,000 | 173,922,000 |
| Allowance for loan losses | 2,275,000 | 2,339,000 | 2,378,000 | 2,341,000 |
| Securities available for sale | 63,606,000 | 65,993,000 | 62,480,000 | 68,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,372,000 | 142,207,000 | 148,196,000 | 187,501,000 |
| Interest-bearing deposits | 137,902,000 | 131,460,000 | 136,932,000 | 170,689,000 |
| Noninterest-bearing deposits | 11,470,000 | 10,747,000 | 11,264,000 | 16,812,000 |
| Equity capital | 26,222,000 | 26,998,000 | 27,152,000 | 26,975,000 |
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 | 2,831,000 | 5,847,000 | 8,994,000 | 12,530,000 |
| Interest expense | 997,000 | 2,147,000 | 3,432,000 | 5,046,000 |
| Net interest income | 1,834,000 | 3,700,000 | 5,562,000 | 7,484,000 |
| Noninterest income | 270,000 | 580,000 | 949,000 | 1,298,000 |
| Noninterest expense | 1,380,000 | 2,779,000 | 4,142,000 | 5,459,000 |
| Provision for loan losses | 64,000 | 128,000 | 191,000 | 281,000 |
| Pretax income | 660,000 | 1,373,000 | 2,178,000 | 3,044,000 |
| Income tax | 24,000 | 49,000 | 89,000 | 117,000 |
| Net income | 636,000 | 1,324,000 | 2,089,000 | 2,927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,239,000 | 24,554,000 | 25,125,000 | 21,744,000 |
| Total capital | 26,116,000 | 26,526,000 | 27,171,000 | 24,063,000 |
| Risk-weighted assets | 149,751,000 | 157,438,000 | 163,686,000 | 189,009,000 |