Call reports 2005
BONVENU BANK, N.A. — 2005
What BONVENU BANK, N.A. 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 | 234,883,000 | 229,565,000 | 220,343,000 | 271,522,000 |
| Total loans | 140,257,000 | 150,036,000 | 155,078,000 | 155,706,000 |
| Allowance for loan losses | 1,076,000 | 1,166,000 | 1,192,000 | 1,181,000 |
| Securities available for sale | 65,865,000 | 51,752,000 | 36,485,000 | 59,089,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,292,000 | 190,649,000 | 176,656,000 | 208,593,000 |
| Interest-bearing deposits | 151,947,000 | 136,090,000 | 123,782,000 | 194,283,000 |
| Noninterest-bearing deposits | 52,345,000 | 54,559,000 | 52,874,000 | 14,310,000 |
| Equity capital | 16,866,000 | 17,681,000 | 18,203,000 | 18,859,000 |
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 | 2,920,000 | 6,065,000 | 9,391,000 | 13,056,000 |
| Interest expense | 583,000 | 1,272,000 | 2,063,000 | 3,041,000 |
| Net interest income | 2,337,000 | 4,793,000 | 7,328,000 | 10,015,000 |
| Noninterest income | 536,000 | 1,288,000 | 1,952,000 | 2,870,000 |
| Noninterest expense | 1,993,000 | 4,240,000 | 6,429,000 | 8,699,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 260,000 |
| Pretax income | 790,000 | 1,661,000 | 2,581,000 | 3,926,000 |
| Income tax | 247,000 | 527,000 | 796,000 | 1,323,000 |
| Net income | 543,000 | 1,134,000 | 1,785,000 | 2,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,299,000 | 17,890,000 | 18,542,000 | 19,360,000 |
| Total capital | 18,375,000 | 19,056,000 | 19,734,000 | 20,541,000 |
| Risk-weighted assets | 156,075,000 | 161,680,000 | 163,327,000 | 187,062,000 |