Call reports 2005
NEWTON COUNTY BANK — 2005
What NEWTON COUNTY 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 | 139,348,000 | 139,385,000 | 144,220,000 | 143,661,000 |
| Total loans | 89,211,000 | 90,092,000 | 90,476,000 | 88,225,000 |
| Allowance for loan losses | 1,243,000 | 1,133,000 | 1,176,000 | 1,110,000 |
| Securities available for sale | 27,193,000 | 26,415,000 | 29,489,000 | 31,485,000 |
| Securities held to maturity | 9,129,000 | 9,605,000 | 9,024,000 | 8,959,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,033,000 | 119,422,000 | 124,260,000 | 123,631,000 |
| Interest-bearing deposits | 103,407,000 | 101,833,000 | 103,177,000 | 103,667,000 |
| Noninterest-bearing deposits | 16,626,000 | 17,589,000 | 21,083,000 | 19,964,000 |
| Equity capital | 17,351,000 | 17,729,000 | 17,841,000 | 17,752,000 |
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 | 1,945,000 | 3,920,000 | 6,007,000 | 8,188,000 |
| Interest expense | 408,000 | 870,000 | 1,386,000 | 1,961,000 |
| Net interest income | 1,537,000 | 3,050,000 | 4,621,000 | 6,227,000 |
| Noninterest income | 338,000 | 654,000 | 963,000 | 1,299,000 |
| Noninterest expense | 1,162,000 | 2,354,000 | 3,473,000 | 4,839,000 |
| Provision for loan losses | 15,000 | 45,000 | 75,000 | 105,000 |
| Pretax income | 698,000 | 1,305,000 | 2,036,000 | 2,582,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 698,000 | 1,305,000 | 2,036,000 | 2,582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,527,000 | 16,634,000 | 16,865,000 | 16,911,000 |
| Total capital | 18,141,000 | 18,259,000 | 18,480,000 | 18,399,000 |
| Risk-weighted assets | 111,318,000 | 111,881,000 | 115,152,000 | 110,343,000 |