Call reports 2005
SILVER LAKE BANK — 2005
What SILVER LAKE 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 | 174,848,000 | 181,647,000 | 177,420,000 | 184,497,000 |
| Total loans | 124,489,000 | 134,223,000 | 130,124,000 | 141,596,000 |
| Allowance for loan losses | 779,000 | 800,000 | 822,000 | 847,000 |
| Securities available for sale | 19,235,000 | 22,155,000 | 25,987,000 | 26,724,000 |
| Securities held to maturity | 5,585,000 | 3,639,000 | 3,436,000 | 2,972,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,744,000 | 160,692,000 | 150,875,000 | 154,542,000 |
| Interest-bearing deposits | 130,553,000 | 140,698,000 | 132,227,000 | 134,691,000 |
| Noninterest-bearing deposits | 18,191,000 | 19,994,000 | 18,648,000 | 19,851,000 |
| Equity capital | 15,392,000 | 15,946,000 | 16,413,000 | 16,895,000 |
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 | 2,307,000 | 4,847,000 | 7,565,000 | 10,574,000 |
| Interest expense | 768,000 | 1,657,000 | 2,597,000 | 3,623,000 |
| Net interest income | 1,539,000 | 3,190,000 | 4,968,000 | 6,951,000 |
| Noninterest income | 162,000 | 338,000 | 516,000 | 689,000 |
| Noninterest expense | 1,039,000 | 2,085,000 | 3,155,000 | 4,345,000 |
| Provision for loan losses | 8,000 | 30,000 | 53,000 | 77,000 |
| Pretax income | 654,000 | 1,413,000 | 2,276,000 | 3,218,000 |
| Income tax | 237,000 | 516,000 | 830,000 | 1,161,000 |
| Net income | 417,000 | 897,000 | 1,446,000 | 2,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,544,000 | 15,975,000 | 16,526,000 | 17,140,000 |
| Total capital | 16,323,000 | 16,775,000 | 17,348,000 | 17,987,000 |
| Risk-weighted assets | 138,667,000 | 148,731,000 | 146,666,000 | 157,345,000 |