Call reports 2005
TREATY OAK BANK — 2005
What TREATY OAK 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 | 31,002,000 | 47,767,000 | 55,871,000 | 55,880,000 |
| Total loans | 21,998,000 | 30,623,000 | 35,928,000 | 45,188,000 |
| Allowance for loan losses | 258,000 | 289,000 | 277,000 | 317,000 |
| Securities available for sale | 441,000 | 438,000 | 427,000 | 424,000 |
| Securities held to maturity | 4,501,000 | 4,000,000 | 3,501,000 | 3,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,661,000 | 38,795,000 | 46,908,000 | 46,830,000 |
| Interest-bearing deposits | 15,832,000 | 29,758,000 | 29,831,000 | 28,071,000 |
| Noninterest-bearing deposits | 5,829,000 | 9,037,000 | 17,077,000 | 18,759,000 |
| Equity capital | 9,014,000 | 8,858,000 | 8,805,000 | 8,897,000 |
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 | 394,000 | 986,000 | 1,778,000 | 2,669,000 |
| Interest expense | 66,000 | 210,000 | 421,000 | 609,000 |
| Net interest income | 328,000 | 776,000 | 1,357,000 | 2,060,000 |
| Noninterest income | 23,000 | 55,000 | 81,000 | 114,000 |
| Noninterest expense | 608,000 | 1,215,000 | 1,805,000 | 2,404,000 |
| Provision for loan losses | 30,000 | 60,000 | 130,000 | 175,000 |
| Pretax income | -287,000 | -444,000 | -497,000 | -405,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -287,000 | -444,000 | -497,000 | -405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,794,000 | 7,637,000 | 7,586,000 | 7,680,000 |
| Total capital | 8,052,000 | 7,926,000 | 7,863,000 | 7,997,000 |
| Risk-weighted assets | 25,764,000 | 36,159,000 | 41,312,000 | 48,944,000 |