Call reports 2005
FIRST CHATHAM BANK — 2005
What FIRST CHATHAM 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 | 224,578,000 | 251,230,000 | 260,404,000 | 275,784,000 |
| Total loans | 159,563,000 | 172,588,000 | 193,290,000 | 203,659,000 |
| Allowance for loan losses | 1,812,000 | 1,975,000 | 2,222,000 | 2,448,000 |
| Securities available for sale | 36,945,000 | 37,723,000 | 40,576,000 | 41,507,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,656,000 | 200,256,000 | 208,848,000 | 217,958,000 |
| Interest-bearing deposits | 151,945,000 | 167,905,000 | 183,348,000 | 193,334,000 |
| Noninterest-bearing deposits | 25,711,000 | 32,352,000 | 25,500,000 | 24,624,000 |
| Equity capital | 19,011,000 | 19,983,000 | 20,362,000 | 20,767,000 |
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 | 2,823,000 | 6,186,000 | 10,092,000 | 14,417,000 |
| Interest expense | 1,044,000 | 2,369,000 | 4,064,000 | 5,954,000 |
| Net interest income | 1,779,000 | 3,817,000 | 6,028,000 | 8,463,000 |
| Noninterest income | 220,000 | 497,000 | 809,000 | 1,165,000 |
| Noninterest expense | 1,394,000 | 2,861,000 | 4,472,000 | 6,278,000 |
| Provision for loan losses | 150,000 | 315,000 | 561,000 | 913,000 |
| Pretax income | 441,000 | 1,109,000 | 1,759,000 | 2,311,000 |
| Income tax | 168,000 | 422,000 | 668,000 | 914,000 |
| Net income | 273,000 | 997,000 | 1,401,000 | 2,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,955,000 | 19,865,000 | 20,262,000 | 20,810,000 |
| Total capital | 20,767,000 | 21,840,000 | 22,484,000 | 23,258,000 |
| Risk-weighted assets | 173,788,000 | 192,068,000 | 212,053,000 | 224,320,000 |