Call reports 2005
RANCHERS BANKS — 2005
What RANCHERS BANKS 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 | 115,728,000 | 117,302,000 | 111,267,000 | 107,096,000 |
| Total loans | 38,420,000 | 39,370,000 | 36,888,000 | 34,804,000 |
| Allowance for loan losses | 2,015,000 | 907,000 | 519,000 | 478,000 |
| Securities available for sale | 62,649,000 | 61,193,000 | 60,772,000 | 57,521,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,088,000 | 101,740,000 | 94,887,000 | 90,513,000 |
| Interest-bearing deposits | 77,970,000 | 77,940,000 | 71,149,000 | 67,363,000 |
| Noninterest-bearing deposits | 24,119,000 | 23,800,000 | 23,738,000 | 23,150,000 |
| Equity capital | 13,122,000 | 15,152,000 | 15,877,000 | 14,612,000 |
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 | 1,747,000 | 3,224,000 | 4,964,000 | 6,424,000 |
| Interest expense | 258,000 | 530,000 | 804,000 | 1,086,000 |
| Net interest income | 1,489,000 | 2,694,000 | 4,160,000 | 5,338,000 |
| Noninterest income | 289,000 | 802,000 | 997,000 | 1,171,000 |
| Noninterest expense | 1,251,000 | 2,380,000 | 3,645,000 | 4,973,000 |
| Provision for loan losses | 0 | -1,107,000 | -1,657,000 | -2,136,000 |
| Pretax income | 534,000 | 2,244,000 | 3,189,000 | 3,692,000 |
| Income tax | 0 | 0 | 0 | 1,324,000 |
| Net income | 534,000 | 2,244,000 | 3,189,000 | 2,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,661,000 | 15,240,000 | 16,184,000 | 15,228,000 |
| Total capital | 13,360,000 | 15,947,000 | 16,717,000 | 15,720,000 |
| Risk-weighted assets | 54,606,000 | 56,331,000 | 54,254,000 | 52,484,000 |