Call reports 2005
TOWN BANK, THE — 2005
What TOWN BANK, THE 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 | 147,068,000 | 147,005,000 | 157,538,000 | 165,633,000 |
| Total loans | 114,894,000 | 127,958,000 | 134,334,000 | 139,620,000 |
| Allowance for loan losses | 1,246,000 | 1,387,000 | 1,474,000 | 1,518,000 |
| Securities available for sale | 17,052,000 | 13,917,000 | 12,921,000 | 12,938,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,148,000 | 130,671,000 | 140,883,000 | 148,515,000 |
| Interest-bearing deposits | 108,538,000 | 109,765,000 | 120,046,000 | 128,605,000 |
| Noninterest-bearing deposits | 21,610,000 | 20,906,000 | 20,837,000 | 19,910,000 |
| Equity capital | 14,960,000 | 15,405,000 | 15,769,000 | 16,142,000 |
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 | 1,908,000 | 4,078,000 | 6,529,000 | 9,292,000 |
| Interest expense | 589,000 | 1,343,000 | 2,265,000 | 3,408,000 |
| Net interest income | 1,319,000 | 2,735,000 | 4,264,000 | 5,884,000 |
| Noninterest income | 37,000 | 70,000 | 111,000 | 162,000 |
| Noninterest expense | 756,000 | 1,532,000 | 2,486,000 | 3,469,000 |
| Provision for loan losses | 60,000 | 201,000 | 288,000 | 332,000 |
| Pretax income | 540,000 | 1,072,000 | 1,601,000 | 2,245,000 |
| Income tax | 126,000 | 245,000 | 425,000 | 707,000 |
| Net income | 414,000 | 827,000 | 1,176,000 | 1,538,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,041,000 | 15,453,000 | 15,815,000 | 16,178,000 |
| Total capital | 16,287,000 | 16,840,000 | 17,289,000 | 17,696,000 |
| Risk-weighted assets | 117,534,000 | 127,377,000 | 134,643,000 | 139,996,000 |