Call reports 2005
BANK OF FINCASTLE, THE — 2005
What BANK OF FINCASTLE, 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 | 138,642,000 | 142,527,000 | 142,743,000 | 144,555,000 |
| Total loans | 119,395,000 | 120,149,000 | 119,988,000 | 117,623,000 |
| Allowance for loan losses | 1,421,000 | 1,552,000 | 1,430,000 | 1,502,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,377,000 | 4,474,000 | 4,513,000 | 3,967,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,564,000 | 122,682,000 | 122,072,000 | 123,846,000 |
| Interest-bearing deposits | 84,883,000 | 88,095,000 | 86,731,000 | 86,880,000 |
| Noninterest-bearing deposits | 31,681,000 | 34,587,000 | 35,341,000 | 36,966,000 |
| Equity capital | 19,319,000 | 19,505,000 | 20,203,000 | 20,185,000 |
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 | 1,958,000 | 4,027,000 | 6,273,000 | 8,626,000 |
| Interest expense | 306,000 | 654,000 | 1,023,000 | 1,439,000 |
| Net interest income | 1,652,000 | 3,373,000 | 5,250,000 | 7,187,000 |
| Noninterest income | 201,000 | 422,000 | 629,000 | 938,000 |
| Noninterest expense | 1,059,000 | 2,148,000 | 3,335,000 | 4,726,000 |
| Provision for loan losses | 142,000 | 292,000 | 242,000 | 392,000 |
| Pretax income | 652,000 | 1,355,000 | 2,302,000 | 3,007,000 |
| Income tax | 173,000 | 406,000 | 655,000 | 990,000 |
| Net income | 479,000 | 949,000 | 1,647,000 | 2,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,319,000 | 19,505,000 | 20,203,000 | 20,185,000 |
| Total capital | 20,740,000 | 21,046,000 | 21,633,000 | 21,687,000 |
| Risk-weighted assets | 122,035,000 | 123,276,000 | 125,356,000 | 125,157,000 |