Call reports 2005
BRIGHTON COMMERCE BANK — 2005
What BRIGHTON COMMERCE BANK 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 | 105,465,000 | 116,111,000 | 102,265,000 | 105,694,000 |
| Total loans | 96,234,000 | 95,116,000 | 92,909,000 | 94,633,000 |
| Allowance for loan losses | 989,000 | 977,000 | 977,000 | 978,000 |
| Securities available for sale | 430,000 | 429,000 | 250,000 | 247,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,964,000 | 98,489,000 | 85,071,000 | 89,497,000 |
| Interest-bearing deposits | 77,727,000 | 85,405,000 | 72,808,000 | 76,364,000 |
| Noninterest-bearing deposits | 10,237,000 | 13,084,000 | 12,263,000 | 13,133,000 |
| Equity capital | 9,064,000 | 9,266,000 | 9,343,000 | 9,402,000 |
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 | 1,606,000 | 3,348,000 | 5,125,000 | 6,880,000 |
| Interest expense | 520,000 | 1,125,000 | 1,769,000 | 2,434,000 |
| Net interest income | 1,086,000 | 2,223,000 | 3,356,000 | 4,446,000 |
| Noninterest income | 94,000 | 184,000 | 298,000 | 388,000 |
| Noninterest expense | 742,000 | 1,520,000 | 2,345,000 | 3,128,000 |
| Provision for loan losses | 20,000 | 36,000 | 36,000 | 36,000 |
| Pretax income | 418,000 | 851,000 | 1,273,000 | 1,670,000 |
| Income tax | 143,000 | 292,000 | 437,000 | 573,000 |
| Net income | 275,000 | 559,000 | 836,000 | 1,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,745,000 | 8,944,000 | 9,022,000 | 9,082,000 |
| Total capital | 9,734,000 | 9,921,000 | 9,999,000 | 10,060,000 |
| Risk-weighted assets | 97,178,000 | 99,170,000 | 96,549,000 | 98,485,000 |