Call reports 2005
EXCEL BANK — 2005
What EXCEL 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 | 135,346,000 | 141,490,000 | 143,020,000 | 148,348,000 |
| Total loans | 62,895,000 | 68,985,000 | 73,577,000 | 79,379,000 |
| Allowance for loan losses | 936,000 | 984,000 | 1,011,000 | 996,000 |
| Securities available for sale | 64,803,000 | 64,070,000 | 61,022,000 | 59,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,500,000 | 88,803,000 | 90,979,000 | 96,008,000 |
| Interest-bearing deposits | 75,595,000 | 76,404,000 | 78,333,000 | 84,464,000 |
| Noninterest-bearing deposits | 10,905,000 | 12,399,000 | 12,646,000 | 11,544,000 |
| Equity capital | 9,702,000 | 11,629,000 | 11,589,000 | 11,060,000 |
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 | 1,668,000 | 3,531,000 | 5,445,000 | 7,539,000 |
| Interest expense | 717,000 | 1,547,000 | 2,483,000 | 3,533,000 |
| Net interest income | 951,000 | 1,984,000 | 2,962,000 | 4,006,000 |
| Noninterest income | 213,000 | 469,000 | 694,000 | 1,100,000 |
| Noninterest expense | 736,000 | 1,556,000 | 2,447,000 | 3,339,000 |
| Provision for loan losses | 30,000 | 60,000 | 92,000 | 123,000 |
| Pretax income | 398,000 | 830,000 | 1,110,000 | 1,637,000 |
| Income tax | 1,000 | 11,000 | 18,000 | 31,000 |
| Net income | 397,000 | 819,000 | 1,092,000 | 1,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,571,000 | 12,050,000 | 12,323,000 | 12,345,000 |
| Total capital | 11,501,000 | 13,034,000 | 13,334,000 | 13,341,000 |
| Risk-weighted assets | 74,401,000 | 79,346,000 | 83,396,000 | 89,596,000 |