Call reports 2005
BANK OF WALKER COUNTY — 2005
What BANK OF WALKER COUNTY 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 | 37,488,000 | 39,285,000 | 51,800,000 | 48,955,000 |
| Total loans | 22,300,000 | 28,356,000 | 31,676,000 | 30,791,000 |
| Allowance for loan losses | 225,000 | 289,000 | 316,000 | 310,000 |
| Securities available for sale | 7,283,000 | 7,862,000 | 8,075,000 | 9,302,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,604,000 | 31,336,000 | 40,710,000 | 37,813,000 |
| Interest-bearing deposits | 24,990,000 | 26,178,000 | 34,383,000 | 32,485,000 |
| Noninterest-bearing deposits | 4,614,000 | 5,158,000 | 6,327,000 | 5,328,000 |
| Equity capital | 7,847,000 | 7,914,000 | 8,011,000 | 8,039,000 |
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 | 459,000 | 996,000 | 1,638,000 | 2,350,000 |
| Interest expense | 135,000 | 291,000 | 510,000 | 808,000 |
| Net interest income | 324,000 | 705,000 | 1,128,000 | 1,542,000 |
| Noninterest income | 28,000 | 63,000 | 100,000 | 138,000 |
| Noninterest expense | 231,000 | 501,000 | 781,000 | 1,119,000 |
| Provision for loan losses | 28,000 | 94,000 | 121,000 | 126,000 |
| Pretax income | 91,000 | 169,000 | 319,000 | 426,000 |
| Income tax | 32,000 | 58,000 | 108,000 | 153,000 |
| Net income | 59,000 | 111,000 | 211,000 | 273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,934,000 | 7,986,000 | 8,085,000 | 8,148,000 |
| Total capital | 8,159,000 | 8,275,000 | 8,401,000 | 8,458,000 |
| Risk-weighted assets | 23,486,000 | 27,648,000 | 32,395,000 | 32,460,000 |