Call reports 2005
BUCKS COUNTY BANK — 2005
What BUCKS 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 | 57,731,000 | 56,468,000 | 74,976,000 | 91,370,000 |
| Total loans | 22,721,000 | 34,717,000 | 43,062,000 | 56,856,000 |
| Allowance for loan losses | 230,000 | 352,000 | 432,000 | 561,000 |
| Securities available for sale | 18,905,000 | 20,931,000 | 29,900,000 | 30,850,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,162,000 | 38,271,000 | 45,841,000 | 51,288,000 |
| Interest-bearing deposits | 22,867,000 | 34,968,000 | 41,211,000 | 44,998,000 |
| Noninterest-bearing deposits | 3,295,000 | 3,303,000 | 4,630,000 | 6,290,000 |
| Equity capital | 13,116,000 | 12,854,000 | 12,541,000 | 20,326,000 |
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 | 411,000 | 998,000 | 1,803,000 | 2,789,000 |
| Interest expense | 141,000 | 360,000 | 671,000 | 1,024,000 |
| Net interest income | 270,000 | 638,000 | 1,132,000 | 1,765,000 |
| Noninterest income | 20,000 | 58,000 | 96,000 | 136,000 |
| Noninterest expense | 601,000 | 1,175,000 | 1,909,000 | 2,630,000 |
| Provision for loan losses | 67,000 | 189,000 | 269,000 | 398,000 |
| Pretax income | -378,000 | -668,000 | -950,000 | -1,127,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -378,000 | -668,000 | -950,000 | -1,127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,207,000 | 12,916,000 | 12,635,000 | 20,466,000 |
| Total capital | 13,437,000 | 13,268,000 | 13,067,000 | 21,027,000 |
| Risk-weighted assets | 31,506,000 | 41,113,000 | 52,305,000 | 67,718,000 |