Call reports 2005
NLSB — 2005
What NLSB 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 | 1,075,062,000 | 1,091,637,000 | 1,075,118,000 | 1,092,380,000 |
| Total loans | 746,916,000 | 783,097,000 | 777,617,000 | 811,760,000 |
| Allowance for loan losses | 5,065,000 | 5,855,000 | 6,068,000 | 6,303,000 |
| Securities available for sale | 196,904,000 | 188,360,000 | 157,566,000 | 115,505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 917,589,000 | 933,566,000 | 913,932,000 | 926,065,000 |
| Interest-bearing deposits | 722,536,000 | 730,774,000 | 723,493,000 | 722,031,000 |
| Noninterest-bearing deposits | 195,053,000 | 202,792,000 | 190,439,000 | 204,034,000 |
| Equity capital | 134,897,000 | 138,685,000 | 141,700,000 | 146,240,000 |
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 | 11,358,000 | 23,579,000 | 36,621,000 | 50,073,000 |
| Interest expense | 3,010,000 | 6,398,000 | 10,089,000 | 14,094,000 |
| Net interest income | 8,348,000 | 17,181,000 | 26,532,000 | 35,979,000 |
| Noninterest income | 1,358,000 | 2,805,000 | 4,201,000 | 5,754,000 |
| Noninterest expense | 4,973,000 | 9,864,000 | 14,496,000 | 19,205,000 |
| Provision for loan losses | 825,000 | 1,650,000 | 2,040,000 | 2,496,000 |
| Pretax income | 3,908,000 | 8,472,000 | 14,197,000 | 20,032,000 |
| Income tax | 1,441,000 | 3,159,000 | 5,343,000 | 6,310,000 |
| Net income | 2,467,000 | 5,313,000 | 8,854,000 | 13,722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,791,000 | 89,030,000 | 92,235,000 | 97,359,000 |
| Total capital | 87,856,000 | 94,885,000 | 98,303,000 | 103,662,000 |
| Risk-weighted assets | 765,732,000 | 800,825,000 | 798,194,000 | 834,152,000 |