Call reports 2005
WHITE HALL BANK — 2005
What WHITE HALL 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 | 45,398,000 | 43,706,000 | 43,194,000 | 43,644,000 |
| Total loans | 32,776,000 | 33,246,000 | 30,316,000 | 31,766,000 |
| Allowance for loan losses | 467,000 | 368,000 | 420,000 | 421,000 |
| Securities available for sale | 8,322,000 | 8,355,000 | 8,300,000 | 8,455,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,046,000 | 36,134,000 | 35,691,000 | 36,415,000 |
| Interest-bearing deposits | 33,694,000 | 33,091,000 | 32,190,000 | 32,367,000 |
| Noninterest-bearing deposits | 4,352,000 | 3,043,000 | 3,502,000 | 4,048,000 |
| Equity capital | 3,253,000 | 3,457,000 | 3,385,000 | 3,094,000 |
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 | 615,000 | 1,298,000 | 1,996,000 | 2,690,000 |
| Interest expense | 197,000 | 405,000 | 635,000 | 871,000 |
| Net interest income | 418,000 | 893,000 | 1,361,000 | 1,819,000 |
| Noninterest income | 25,000 | 52,000 | 82,000 | 102,000 |
| Noninterest expense | 233,000 | 445,000 | 687,000 | 1,015,000 |
| Provision for loan losses | 0 | 0 | 45,000 | 165,000 |
| Pretax income | 210,000 | 500,000 | 711,000 | 741,000 |
| Income tax | 0 | 0 | 8,000 | 8,000 |
| Net income | 210,000 | 500,000 | 703,000 | 733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,380,000 | 3,550,000 | 3,481,000 | 3,261,000 |
| Total capital | 3,827,000 | 3,918,000 | 3,901,000 | 3,682,000 |
| Risk-weighted assets | 35,694,000 | 36,364,000 | 33,930,000 | 35,732,000 |