Call reports 2005
PEDESTAL BANK — 2005
What PEDESTAL 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 | 135,729,000 | 140,705,000 | 150,373,000 | 164,046,000 |
| Total loans | 89,811,000 | 99,300,000 | 102,229,000 | 115,177,000 |
| Allowance for loan losses | 1,213,000 | 1,373,000 | 1,388,000 | 1,560,000 |
| Securities available for sale | 31,717,000 | 25,933,000 | 27,032,000 | 26,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,088,000 | 120,110,000 | 130,323,000 | 140,568,000 |
| Interest-bearing deposits | 94,177,000 | 92,496,000 | 96,466,000 | 102,140,000 |
| Noninterest-bearing deposits | 24,911,000 | 27,614,000 | 33,857,000 | 38,428,000 |
| Equity capital | 10,941,000 | 11,275,000 | 11,498,000 | 11,628,000 |
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 | 1,896,000 | 4,057,000 | 6,374,000 | 8,964,000 |
| Interest expense | 513,000 | 1,101,000 | 1,763,000 | 2,506,000 |
| Net interest income | 1,383,000 | 2,956,000 | 4,611,000 | 6,458,000 |
| Noninterest income | 263,000 | 557,000 | 815,000 | 1,027,000 |
| Noninterest expense | 1,157,000 | 2,372,000 | 3,687,000 | 4,999,000 |
| Provision for loan losses | 65,000 | 225,000 | 345,000 | 515,000 |
| Pretax income | 424,000 | 916,000 | 1,394,000 | 1,971,000 |
| Income tax | 144,000 | 311,000 | 474,000 | 658,000 |
| Net income | 280,000 | 605,000 | 920,000 | 1,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,175,000 | 11,420,000 | 11,648,000 | 11,827,000 |
| Total capital | 12,388,000 | 12,793,000 | 13,036,000 | 13,387,000 |
| Risk-weighted assets | 103,519,000 | 110,536,000 | 116,130,000 | 128,130,000 |