Call reports 2005
OTTOVILLE BANK COMPANY, THE — 2005
What OTTOVILLE BANK COMPANY, 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 | 53,755,000 | 54,877,000 | 54,548,000 | 54,419,000 |
| Total loans | 22,837,000 | 24,691,000 | 25,320,000 | 24,176,000 |
| Allowance for loan losses | 352,000 | 370,000 | 388,000 | 332,000 |
| Securities available for sale | 25,112,000 | 25,432,000 | 24,596,000 | 24,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,365,000 | 34,520,000 | 35,453,000 | 35,565,000 |
| Interest-bearing deposits | 31,759,000 | 30,350,000 | 30,323,000 | 29,742,000 |
| Noninterest-bearing deposits | 4,606,000 | 4,170,000 | 5,130,000 | 5,823,000 |
| Equity capital | 11,622,000 | 11,939,000 | 11,928,000 | 11,723,000 |
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 | 666,000 | 1,353,000 | 2,054,000 | 2,763,000 |
| Interest expense | 150,000 | 308,000 | 490,000 | 685,000 |
| Net interest income | 516,000 | 1,045,000 | 1,564,000 | 2,078,000 |
| Noninterest income | 45,000 | 85,000 | 129,000 | 176,000 |
| Noninterest expense | 293,000 | 570,000 | 848,000 | 1,142,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 70,000 |
| Pretax income | 247,000 | 524,000 | 796,000 | 1,038,000 |
| Income tax | 59,000 | 95,000 | 121,000 | 116,000 |
| Net income | 188,000 | 429,000 | 675,000 | 922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,634,000 | 11,618,000 | 11,864,000 | 11,815,000 |
| Total capital | 11,986,000 | 11,988,000 | 12,252,000 | 12,147,000 |
| Risk-weighted assets | 30,465,000 | 32,118,000 | 32,445,000 | 31,851,000 |