Call reports 2005
BANK OF ELK RIVER, THE — 2005
What BANK OF ELK RIVER, THE 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 | 307,982,000 | 318,547,000 | 332,681,000 | 350,640,000 |
| Total loans | 244,175,000 | 249,964,000 | 260,850,000 | 271,976,000 |
| Allowance for loan losses | 2,644,000 | 2,749,000 | 2,854,000 | 2,923,000 |
| Securities available for sale | 46,139,000 | 47,750,000 | 48,084,000 | 50,274,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,705,000 | 291,436,000 | 303,460,000 | 319,533,000 |
| Interest-bearing deposits | 239,256,000 | 246,197,000 | 253,215,000 | 270,401,000 |
| Noninterest-bearing deposits | 38,449,000 | 45,239,000 | 50,245,000 | 49,132,000 |
| Equity capital | 23,431,000 | 24,540,000 | 26,425,000 | 26,486,000 |
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 | 4,562,000 | 9,350,000 | 14,318,000 | 19,678,000 |
| Interest expense | 1,507,000 | 3,141,000 | 4,951,000 | 6,972,000 |
| Net interest income | 3,055,000 | 6,209,000 | 9,367,000 | 12,706,000 |
| Noninterest income | 665,000 | 1,375,000 | 2,150,000 | 2,704,000 |
| Noninterest expense | 2,282,000 | 4,674,000 | 7,037,000 | 10,126,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 585,000 |
| Pretax income | 1,317,000 | 2,669,000 | 4,119,000 | 4,698,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 5,000 |
| Net income | 1,316,000 | 2,666,000 | 4,115,000 | 4,693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,613,000 | 24,108,000 | 26,474,000 | 26,913,000 |
| Total capital | 26,257,000 | 26,857,000 | 29,328,000 | 29,836,000 |
| Risk-weighted assets | 252,110,000 | 263,676,000 | 274,846,000 | 286,552,000 |