Call reports 2005
JOHNSON CITY BANK — 2005
What JOHNSON CITY 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 | 57,713,000 | 55,041,000 | 61,496,000 | 63,965,000 |
| Total loans | 42,792,000 | 43,272,000 | 43,621,000 | 44,540,000 |
| Allowance for loan losses | 932,000 | 931,000 | 791,000 | 749,000 |
| Securities available for sale | 3,863,000 | 3,887,000 | 3,872,000 | 3,847,000 |
| Securities held to maturity | 920,000 | 920,000 | 585,000 | 585,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,630,000 | 47,764,000 | 54,046,000 | 56,409,000 |
| Interest-bearing deposits | 38,133,000 | 37,083,000 | 41,238,000 | 41,806,000 |
| Noninterest-bearing deposits | 12,497,000 | 10,681,000 | 12,808,000 | 14,603,000 |
| Equity capital | 6,985,000 | 7,198,000 | 7,342,000 | 7,489,000 |
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 | 925,000 | 1,883,000 | 2,881,000 | 3,961,000 |
| Interest expense | 178,000 | 378,000 | 605,000 | 884,000 |
| Net interest income | 747,000 | 1,505,000 | 2,276,000 | 3,077,000 |
| Noninterest income | 75,000 | 136,000 | 195,000 | 275,000 |
| Noninterest expense | 421,000 | 856,000 | 1,360,000 | 1,907,000 |
| Provision for loan losses | 32,000 | 62,000 | 62,000 | 64,000 |
| Pretax income | 369,000 | 723,000 | 1,049,000 | 1,381,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 369,000 | 723,000 | 1,049,000 | 1,381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,122,000 | 7,311,000 | 7,470,000 | 7,642,000 |
| Total capital | 7,605,000 | 7,797,000 | 7,982,000 | 8,164,000 |
| Risk-weighted assets | 38,155,000 | 38,465,000 | 40,723,000 | 41,634,000 |