Call reports 2005
BANK OF NEW CAMBRIA — 2005
What BANK OF NEW CAMBRIA 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 | 28,554,000 | 27,840,000 | 27,618,000 | 28,774,000 |
| Total loans | 16,206,000 | 16,453,000 | 16,658,000 | 16,079,000 |
| Allowance for loan losses | 165,000 | 170,000 | 173,000 | 176,000 |
| Securities available for sale | 8,765,000 | 8,593,000 | 7,702,000 | 7,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,607,000 | 24,789,000 | 24,550,000 | 25,775,000 |
| Interest-bearing deposits | 23,054,000 | 22,333,000 | 22,219,000 | 23,576,000 |
| Noninterest-bearing deposits | 2,553,000 | 2,456,000 | 2,331,000 | 2,199,000 |
| Equity capital | 2,886,000 | 2,965,000 | 2,978,000 | 2,895,000 |
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 | 324,000 | 671,000 | 1,031,000 | 1,407,000 |
| Interest expense | 96,000 | 205,000 | 325,000 | 454,000 |
| Net interest income | 228,000 | 466,000 | 706,000 | 953,000 |
| Noninterest income | 24,000 | 55,000 | 86,000 | 111,000 |
| Noninterest expense | 220,000 | 442,000 | 671,000 | 926,000 |
| Provision for loan losses | 0 | 5,000 | 10,000 | 10,000 |
| Pretax income | 32,000 | 74,000 | 111,000 | 128,000 |
| Income tax | 4,000 | 6,000 | 0 | 2,000 |
| Net income | 28,000 | 68,000 | 111,000 | 126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,922,000 | 2,962,000 | 3,005,000 | 2,945,000 |
| Total capital | 3,087,000 | 3,132,000 | 3,178,000 | 3,121,000 |
| Risk-weighted assets | 19,199,000 | 19,306,000 | 19,488,000 | 19,303,000 |