Call reports 2005
BANK-OLDHAM COUNTY, INC, THE — 2005
What BANK-OLDHAM COUNTY, INC, THE 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 | 124,564,000 | 123,460,000 | 127,574,000 | 136,460,000 |
| Total loans | 60,470,000 | 58,911,000 | 63,241,000 | 65,722,000 |
| Allowance for loan losses | 876,000 | 890,000 | 939,000 | 979,000 |
| Securities available for sale | 48,166,000 | 47,439,000 | 47,374,000 | 45,137,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,285,000 | 107,144,000 | 110,263,000 | 119,605,000 |
| Interest-bearing deposits | 85,177,000 | 82,657,000 | 82,910,000 | 91,582,000 |
| Noninterest-bearing deposits | 24,108,000 | 24,487,000 | 27,353,000 | 28,023,000 |
| Equity capital | 9,997,000 | 10,467,000 | 10,630,000 | 10,325,000 |
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 | 1,447,000 | 2,987,000 | 4,593,000 | 6,421,000 |
| Interest expense | 355,000 | 744,000 | 1,191,000 | 1,696,000 |
| Net interest income | 1,092,000 | 2,243,000 | 3,402,000 | 4,725,000 |
| Noninterest income | 319,000 | 702,000 | 1,058,000 | 1,393,000 |
| Noninterest expense | 980,000 | 2,117,000 | 3,261,000 | 4,399,000 |
| Provision for loan losses | 15,000 | 30,000 | 46,000 | 60,000 |
| Pretax income | 416,000 | 793,000 | 1,148,000 | 1,672,000 |
| Income tax | 110,000 | 207,000 | 297,000 | 420,000 |
| Net income | 306,000 | 586,000 | 851,000 | 1,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,378,000 | 10,657,000 | 10,923,000 | 10,974,000 |
| Total capital | 11,254,000 | 11,547,000 | 11,862,000 | 11,953,000 |
| Risk-weighted assets | 74,889,000 | 72,788,000 | 77,068,000 | 80,251,000 |