Call reports 2005
BRISTOL BANK — 2005
What BRISTOL 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 | 90,454,000 | 83,702,000 | 92,201,000 | 91,338,000 |
| Total loans | 58,950,000 | 55,822,000 | 58,544,000 | 60,086,000 |
| Allowance for loan losses | 576,000 | 603,000 | 629,000 | 713,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 14,980,000 | 17,855,000 | 28,131,000 | 27,450,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,741,000 | 74,221,000 | 69,405,000 | 69,327,000 |
| Interest-bearing deposits | 72,075,000 | 65,098,000 | 62,061,000 | 61,456,000 |
| Noninterest-bearing deposits | 9,666,000 | 9,123,000 | 7,344,000 | 7,872,000 |
| Equity capital | 8,430,000 | 9,110,000 | 10,114,000 | 10,121,000 |
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 | 1,132,000 | 2,253,000 | 3,521,000 | 4,874,000 |
| Interest expense | 507,000 | 1,035,000 | 1,605,000 | 2,253,000 |
| Net interest income | 625,000 | 1,218,000 | 1,916,000 | 2,621,000 |
| Noninterest income | 114,000 | 240,000 | 355,000 | 454,000 |
| Noninterest expense | 722,000 | 1,408,000 | 2,188,000 | 3,020,000 |
| Provision for loan losses | 2,000 | 277,000 | 292,000 | 249,000 |
| Pretax income | 15,000 | -227,000 | -209,000 | -194,000 |
| Income tax | 6,000 | -88,000 | -74,000 | -66,000 |
| Net income | 9,000 | -139,000 | -135,000 | -128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,491,000 | 8,061,000 | 9,116,000 | 9,177,000 |
| Total capital | 8,067,000 | 8,664,000 | 9,745,000 | 9,890,000 |
| Risk-weighted assets | 60,076,000 | 58,874,000 | 63,928,000 | 65,347,000 |