Call reports 2005
FREEDOM BANK, INC. — 2005
What FREEDOM BANK, INC. 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 | 114,626,000 | 114,607,000 | 118,300,000 | 118,848,000 |
| Total loans | 80,117,000 | 82,511,000 | 84,548,000 | 83,524,000 |
| Allowance for loan losses | 1,012,000 | 1,067,000 | 1,083,000 | 925,000 |
| Securities available for sale | 9,909,000 | 9,275,000 | 8,689,000 | 8,746,000 |
| Securities held to maturity | 4,647,000 | 4,615,000 | 4,581,000 | 4,556,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,997,000 | 98,766,000 | 102,482,000 | 102,754,000 |
| Interest-bearing deposits | 78,300,000 | 79,332,000 | 80,509,000 | 81,945,000 |
| Noninterest-bearing deposits | 20,697,000 | 19,434,000 | 21,973,000 | 20,809,000 |
| Equity capital | 9,907,000 | 10,003,000 | 9,869,000 | 10,073,000 |
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 | 1,472,000 | 3,033,000 | 4,675,000 | 6,354,000 |
| Interest expense | 424,000 | 880,000 | 1,378,000 | 1,891,000 |
| Net interest income | 1,048,000 | 2,153,000 | 3,297,000 | 4,463,000 |
| Noninterest income | 215,000 | 461,000 | 669,000 | 918,000 |
| Noninterest expense | 873,000 | 1,814,000 | 2,746,000 | 3,712,000 |
| Provision for loan losses | 12,000 | 20,000 | 28,000 | 36,000 |
| Pretax income | 378,000 | 780,000 | 1,192,000 | 1,633,000 |
| Income tax | 121,000 | 262,000 | 399,000 | 486,000 |
| Net income | 257,000 | 518,000 | 793,000 | 1,147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,989,000 | 10,052,000 | 9,925,000 | 10,248,000 |
| Total capital | 10,979,000 | 11,058,000 | 10,923,000 | 11,173,000 |
| Risk-weighted assets | 79,154,000 | 79,652,000 | 82,315,000 | 82,201,000 |
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