Call reports 2005
SOFI BANK, NATIONAL ASSOCIATION — 2005
What SOFI BANK, NATIONAL ASSOCIATION 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 | 143,589,000 | 130,972,000 | 127,113,000 | 121,005,000 |
| Total loans | 106,184,000 | 106,849,000 | 104,177,000 | 96,853,000 |
| Allowance for loan losses | 1,591,000 | 1,623,000 | 1,757,000 | 1,706,000 |
| Securities available for sale | 380,000 | 754,000 | 751,000 | 747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,689,000 | 114,694,000 | 113,233,000 | 109,193,000 |
| Interest-bearing deposits | 75,287,000 | 73,163,000 | 78,532,000 | 73,715,000 |
| Noninterest-bearing deposits | 57,402,000 | 41,531,000 | 34,701,000 | 35,478,000 |
| Equity capital | 10,330,000 | 10,876,000 | 10,814,000 | 10,810,000 |
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 | 2,173,000 | 4,469,000 | 6,723,000 | 8,887,000 |
| Interest expense | 205,000 | 438,000 | 744,000 | 1,051,000 |
| Net interest income | 1,968,000 | 4,031,000 | 5,979,000 | 7,836,000 |
| Noninterest income | 297,000 | 650,000 | 957,000 | 1,209,000 |
| Noninterest expense | 1,858,000 | 3,055,000 | 4,704,000 | 6,262,000 |
| Provision for loan losses | 276,000 | 406,000 | 406,000 | 406,000 |
| Pretax income | 131,000 | 1,220,000 | 1,826,000 | 2,377,000 |
| Income tax | 174,000 | 527,000 | 747,000 | 1,142,000 |
| Net income | -43,000 | 693,000 | 1,079,000 | 1,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,343,000 | 10,881,000 | 10,823,000 | 10,823,000 |
| Total capital | 11,558,000 | 12,080,000 | 11,984,000 | 11,898,000 |
| Risk-weighted assets | 96,797,000 | 95,626,000 | 92,324,000 | 85,559,000 |