Call reports 2005
EXTRACO BANKS, NATIONAL ASSOCIATION — 2005
What EXTRACO BANKS, NATIONAL ASSOCIATION 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 | 886,595,000 | 905,184,000 | 949,913,000 | 951,287,000 |
| Total loans | 553,702,000 | 581,242,000 | 606,063,000 | 620,175,000 |
| Allowance for loan losses | 10,694,000 | 10,724,000 | 10,793,000 | 10,825,000 |
| Securities available for sale | 138,145,000 | 159,997,000 | 171,938,000 | 163,616,000 |
| Securities held to maturity | 41,818,000 | 41,815,000 | 40,987,000 | 40,616,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 691,711,000 | 708,357,000 | 732,462,000 | 744,276,000 |
| Interest-bearing deposits | 500,636,000 | 500,168,000 | 513,441,000 | 531,116,000 |
| Noninterest-bearing deposits | 191,075,000 | 208,189,000 | 219,021,000 | 213,160,000 |
| Equity capital | 78,280,000 | 79,767,000 | 81,450,000 | 82,573,000 |
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 | 9,851,000 | 20,394,000 | 31,572,000 | 43,504,000 |
| Interest expense | 2,551,000 | 5,497,000 | 8,965,000 | 13,143,000 |
| Net interest income | 7,300,000 | 14,897,000 | 22,607,000 | 30,361,000 |
| Noninterest income | 5,472,000 | 11,039,000 | 16,657,000 | 22,055,000 |
| Noninterest expense | 9,913,000 | 20,137,000 | 30,122,000 | 39,860,000 |
| Provision for loan losses | 430,000 | 757,000 | 758,000 | 1,283,000 |
| Pretax income | 2,429,000 | 5,042,000 | 8,384,000 | 11,273,000 |
| Income tax | 725,000 | 1,469,000 | 2,455,000 | 3,286,000 |
| Net income | 1,704,000 | 3,573,000 | 5,929,000 | 7,987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,218,000 | 72,925,000 | 74,589,000 | 76,539,000 |
| Total capital | 78,166,000 | 80,218,000 | 82,315,000 | 84,402,000 |
| Risk-weighted assets | 551,776,000 | 579,139,000 | 613,234,000 | 626,049,000 |