Call reports 2005
BANK OF THAYER — 2005
What BANK OF THAYER 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 | 78,249,000 | 77,526,000 | 74,754,000 | 77,014,000 |
| Total loans | 46,844,000 | 51,073,000 | 52,912,000 | 52,682,000 |
| Allowance for loan losses | 640,000 | 656,000 | 634,000 | 650,000 |
| Securities available for sale | 20,679,000 | 17,191,000 | 14,876,000 | 14,556,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,062,000 | 64,343,000 | 59,110,000 | 62,632,000 |
| Interest-bearing deposits | 56,631,000 | 55,289,000 | 50,434,000 | 52,735,000 |
| Noninterest-bearing deposits | 8,431,000 | 9,054,000 | 8,676,000 | 9,897,000 |
| Equity capital | 5,797,000 | 6,248,000 | 6,144,000 | 6,022,000 |
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 | 987,000 | 2,038,000 | 3,146,000 | 4,275,000 |
| Interest expense | 324,000 | 661,000 | 1,024,000 | 1,411,000 |
| Net interest income | 663,000 | 1,377,000 | 2,122,000 | 2,864,000 |
| Noninterest income | 146,000 | 693,000 | 843,000 | 919,000 |
| Noninterest expense | 743,000 | 1,572,000 | 2,341,000 | 3,206,000 |
| Provision for loan losses | 0 | 46,000 | 80,000 | 140,000 |
| Pretax income | 68,000 | 424,000 | 515,000 | 408,000 |
| Income tax | -24,000 | 4,000 | 65,000 | 35,000 |
| Net income | 92,000 | 420,000 | 450,000 | 373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,026,000 | 6,293,000 | 6,264,000 | 6,127,000 |
| Total capital | 6,653,000 | 6,949,000 | 6,898,000 | 6,777,000 |
| Risk-weighted assets | 50,096,000 | 53,189,000 | 53,558,000 | 53,981,000 |