Call reports 2005
BANK OF EDMONSON COUNTY — 2005
What BANK OF EDMONSON COUNTY 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 | 155,773,000 | 159,886,000 | 162,357,000 | 165,438,000 |
| Total loans | 112,532,000 | 115,067,000 | 117,237,000 | 119,938,000 |
| Allowance for loan losses | 1,294,000 | 1,284,000 | 1,309,000 | 1,226,000 |
| Securities available for sale | 18,937,000 | 20,649,000 | 20,861,000 | 22,037,000 |
| Securities held to maturity | 16,251,000 | 15,741,000 | 14,984,000 | 14,567,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,252,000 | 118,110,000 | 121,075,000 | 125,267,000 |
| Interest-bearing deposits | 106,010,000 | 107,630,000 | 110,210,000 | 114,083,000 |
| Noninterest-bearing deposits | 10,242,000 | 10,480,000 | 10,865,000 | 11,184,000 |
| Equity capital | 17,229,000 | 17,456,000 | 17,907,000 | 17,800,000 |
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 | 2,323,000 | 4,750,000 | 7,331,000 | 9,995,000 |
| Interest expense | 1,026,000 | 2,111,000 | 3,278,000 | 4,502,000 |
| Net interest income | 1,297,000 | 2,639,000 | 4,053,000 | 5,493,000 |
| Noninterest income | 212,000 | 474,000 | 716,000 | 956,000 |
| Noninterest expense | 1,005,000 | 1,938,000 | 2,917,000 | 3,925,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 260,000 |
| Pretax income | 444,000 | 1,055,000 | 1,672,000 | 2,264,000 |
| Income tax | 90,000 | 187,000 | 278,000 | 379,000 |
| Net income | 354,000 | 868,000 | 1,394,000 | 1,885,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,326,000 | 17,420,000 | 17,946,000 | 17,947,000 |
| Total capital | 18,620,000 | 18,704,000 | 19,255,000 | 19,173,000 |
| Risk-weighted assets | 109,818,000 | 112,522,000 | 112,724,000 | 115,214,000 |