Call reports 2005
BANK OF NICHOLS HILLS — 2005
What BANK OF NICHOLS HILLS 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 | 97,737,000 | 105,041,000 | 119,364,000 | 126,916,000 |
| Total loans | 81,385,000 | 84,389,000 | 87,784,000 | 91,579,000 |
| Allowance for loan losses | 869,000 | 910,000 | 933,000 | 956,000 |
| Securities available for sale | 6,249,000 | 6,381,000 | 6,421,000 | 7,213,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,387,000 | 93,399,000 | 107,220,000 | 114,435,000 |
| Interest-bearing deposits | 66,574,000 | 70,929,000 | 86,272,000 | 84,777,000 |
| Noninterest-bearing deposits | 19,813,000 | 22,470,000 | 20,948,000 | 29,658,000 |
| Equity capital | 9,186,000 | 9,491,000 | 9,831,000 | 10,157,000 |
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 | 1,437,000 | 2,950,000 | 4,676,000 | 6,564,000 |
| Interest expense | 339,000 | 732,000 | 1,242,000 | 1,838,000 |
| Net interest income | 1,098,000 | 2,218,000 | 3,434,000 | 4,726,000 |
| Noninterest income | 140,000 | 299,000 | 459,000 | 607,000 |
| Noninterest expense | 784,000 | 1,574,000 | 2,374,000 | 3,256,000 |
| Provision for loan losses | 10,000 | 25,000 | 45,000 | 65,000 |
| Pretax income | 444,000 | 918,000 | 1,474,000 | 2,012,000 |
| Income tax | 166,000 | 341,000 | 548,000 | 748,000 |
| Net income | 278,000 | 577,000 | 926,000 | 1,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,162,000 | 9,509,000 | 9,804,000 | 10,118,000 |
| Total capital | 10,031,000 | 10,419,000 | 10,737,000 | 11,074,000 |
| Risk-weighted assets | 87,116,000 | 89,947,000 | 94,031,000 | 98,955,000 |