Call reports 2005
AFB&T — 2005
What AFB&T 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 | 1,009,416,000 | 1,026,964,000 | 1,010,631,000 | 1,031,555,000 |
| Total loans | 842,105,000 | 862,550,000 | 844,077,000 | 860,922,000 |
| Allowance for loan losses | 10,108,000 | 10,050,000 | 9,886,000 | 9,994,000 |
| Securities available for sale | 124,937,000 | 118,251,000 | 123,090,000 | 124,224,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 748,289,000 | 770,121,000 | 774,533,000 | 798,420,000 |
| Interest-bearing deposits | 662,327,000 | 684,247,000 | 684,126,000 | 708,287,000 |
| Noninterest-bearing deposits | 85,962,000 | 85,874,000 | 90,407,000 | 90,133,000 |
| Equity capital | 79,607,000 | 83,232,000 | 85,629,000 | 84,838,000 |
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 | 14,058,000 | 29,265,000 | 45,625,000 | 62,948,000 |
| Interest expense | 4,813,000 | 10,266,000 | 16,255,000 | 23,672,000 |
| Net interest income | 9,245,000 | 18,999,000 | 29,370,000 | 39,276,000 |
| Noninterest income | 1,876,000 | 4,027,000 | 5,882,000 | 7,795,000 |
| Noninterest expense | 4,640,000 | 9,292,000 | 13,807,000 | 19,022,000 |
| Provision for loan losses | 457,000 | 1,124,000 | 1,255,000 | 1,684,000 |
| Pretax income | 6,024,000 | 12,610,000 | 20,190,000 | 26,369,000 |
| Income tax | 2,239,000 | 4,713,000 | 7,552,000 | 9,852,000 |
| Net income | 3,785,000 | 7,897,000 | 12,638,000 | 16,517,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,329,000 | 83,426,000 | 86,374,000 | 86,023,000 |
| Total capital | 90,437,000 | 93,483,000 | 96,268,000 | 96,023,000 |
| Risk-weighted assets | 884,049,000 | 908,860,000 | 890,408,000 | 928,004,000 |