Call reports 2005
BANK OF CHOICE — 2005
What BANK OF CHOICE 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 | 315,572,000 | 372,608,000 | 423,088,000 | 401,275,000 |
| Total loans | 266,259,000 | 295,350,000 | 311,903,000 | 315,594,000 |
| Allowance for loan losses | 2,419,000 | 2,910,000 | 3,131,000 | 3,339,000 |
| Securities available for sale | 5,412,000 | 6,459,000 | 9,437,000 | 9,363,000 |
| Securities held to maturity | 13,158,000 | 12,658,000 | 12,657,000 | 12,657,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,378,000 | 312,718,000 | 357,939,000 | 336,339,000 |
| Interest-bearing deposits | 246,619,000 | 276,135,000 | 300,444,000 | 296,195,000 |
| Noninterest-bearing deposits | 31,759,000 | 36,583,000 | 57,495,000 | 40,144,000 |
| Equity capital | 28,344,000 | 30,749,000 | 34,014,000 | 34,114,000 |
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 | 4,675,000 | 10,006,000 | 16,103,000 | 22,527,000 |
| Interest expense | 1,640,000 | 3,811,000 | 6,616,000 | 9,589,000 |
| Net interest income | 3,035,000 | 6,195,000 | 9,487,000 | 12,938,000 |
| Noninterest income | 280,000 | 598,000 | 847,000 | 1,204,000 |
| Noninterest expense | 2,083,000 | 4,337,000 | 6,956,000 | 10,205,000 |
| Provision for loan losses | 550,000 | 1,225,000 | 1,745,000 | 2,140,000 |
| Pretax income | 682,000 | 1,231,000 | 1,633,000 | 1,797,000 |
| Income tax | 207,000 | 381,000 | 501,000 | 517,000 |
| Net income | 475,000 | 850,000 | 1,132,000 | 1,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,393,000 | 30,768,000 | 34,050,000 | 34,198,000 |
| Total capital | 30,812,000 | 33,678,000 | 37,181,000 | 37,537,000 |
| Risk-weighted assets | 280,948,000 | 323,339,000 | 345,129,000 | 346,774,000 |