Call reports 2005
BLUFF VIEW BANK — 2005
What BLUFF VIEW 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 | 65,639,000 | 68,042,000 | 71,496,000 | 72,588,000 |
| Total loans | 52,743,000 | 54,194,000 | 58,101,000 | 59,604,000 |
| Allowance for loan losses | 710,000 | 720,000 | 732,000 | 745,000 |
| Securities available for sale | 8,657,000 | 8,648,000 | 8,595,000 | 8,142,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,698,000 | 54,920,000 | 56,220,000 | 58,340,000 |
| Interest-bearing deposits | 43,610,000 | 46,025,000 | 46,708,000 | 48,271,000 |
| Noninterest-bearing deposits | 8,088,000 | 8,895,000 | 9,511,000 | 10,069,000 |
| Equity capital | 6,567,000 | 6,741,000 | 6,927,000 | 7,136,000 |
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 | 920,000 | 1,949,000 | 3,046,000 | 4,195,000 |
| Interest expense | 292,000 | 619,000 | 998,000 | 1,421,000 |
| Net interest income | 628,000 | 1,330,000 | 2,048,000 | 2,774,000 |
| Noninterest income | 168,000 | 445,000 | 672,000 | 881,000 |
| Noninterest expense | 511,000 | 1,067,000 | 1,649,000 | 2,275,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 84,000 |
| Pretax income | 360,000 | 654,000 | 986,000 | 1,274,000 |
| Income tax | 0 | 1,000 | 2,000 | 3,000 |
| Net income | 360,000 | 653,000 | 984,000 | 1,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,472,000 | 6,654,000 | 6,903,000 | 7,164,000 |
| Total capital | 7,129,000 | 7,323,000 | 7,613,000 | 7,895,000 |
| Risk-weighted assets | 52,502,000 | 53,467,000 | 56,747,000 | 58,436,000 |