Call reports 2005
APPLIED BANK — 2005
What APPLIED 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 | 1,030,576,000 | 893,795,000 | 868,252,000 | 845,941,000 |
| Total loans | 745,755,000 | 735,252,000 | 709,074,000 | 682,061,000 |
| Allowance for loan losses | 161,923,000 | 150,302,000 | 134,470,000 | 113,851,000 |
| Securities available for sale | 136,124,000 | 186,183,000 | 186,159,000 | 188,787,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,637,000 | 325,486,000 | 293,766,000 | 274,178,000 |
| Interest-bearing deposits | 317,755,000 | 317,804,000 | 285,500,000 | 268,622,000 |
| Noninterest-bearing deposits | 8,882,000 | 7,682,000 | 8,266,000 | 5,556,000 |
| Equity capital | 524,940,000 | 524,759,000 | 529,461,000 | 524,329,000 |
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 | 41,289,000 | 83,045,000 | 125,515,000 | 166,001,000 |
| Interest expense | 4,082,000 | 8,083,000 | 11,852,000 | 15,405,000 |
| Net interest income | 37,207,000 | 74,962,000 | 113,663,000 | 150,596,000 |
| Noninterest income | 61,153,000 | 127,488,000 | 196,453,000 | 263,100,000 |
| Noninterest expense | 55,098,000 | 118,807,000 | 178,817,000 | 238,138,000 |
| Provision for loan losses | -11,782,000 | -1,615,000 | 8,772,000 | 22,835,000 |
| Pretax income | 55,044,000 | 85,258,000 | 122,527,000 | 152,723,000 |
| Income tax | 2,288,000 | 2,746,000 | 3,353,000 | 3,752,000 |
| Net income | 52,756,000 | 82,512,000 | 119,174,000 | 148,971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 525,108,000 | 524,864,000 | 529,526,000 | 524,323,000 |
| Total capital | 552,246,000 | 551,237,000 | 555,074,000 | 548,812,000 |
| Risk-weighted assets | 1,778,895,000 | 1,750,472,000 | 1,731,300,000 | 1,702,910,000 |