Call reports 2005
BANK FORWARD — 2005
What BANK FORWARD 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 | 249,654,000 | 256,213,000 | 265,636,000 | 271,989,000 |
| Total loans | 186,365,000 | 201,815,000 | 210,846,000 | 213,913,000 |
| Allowance for loan losses | 2,037,000 | 2,042,000 | 2,040,000 | 2,015,000 |
| Securities available for sale | 37,717,000 | 40,109,000 | 40,514,000 | 42,995,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,841,000 | 204,369,000 | 213,711,000 | 217,265,000 |
| Interest-bearing deposits | 181,953,000 | 181,589,000 | 178,258,000 | 188,260,000 |
| Noninterest-bearing deposits | 23,888,000 | 22,780,000 | 35,453,000 | 29,005,000 |
| Equity capital | 22,358,000 | 21,209,000 | 20,390,000 | 19,914,000 |
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 | 3,495,000 | 7,233,000 | 11,335,000 | 15,612,000 |
| Interest expense | 1,189,000 | 2,511,000 | 4,017,000 | 5,676,000 |
| Net interest income | 2,306,000 | 4,722,000 | 7,318,000 | 9,936,000 |
| Noninterest income | 401,000 | 753,000 | 1,046,000 | 1,416,000 |
| Noninterest expense | 1,470,000 | 3,106,000 | 5,050,000 | 7,406,000 |
| Provision for loan losses | 3,000 | 0 | 13,000 | -1,000 |
| Pretax income | 1,234,000 | 2,369,000 | 3,301,000 | 3,947,000 |
| Income tax | 45,000 | 90,000 | 160,000 | 260,000 |
| Net income | 1,189,000 | 2,279,000 | 3,141,000 | 3,687,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,812,000 | 21,202,000 | 20,754,000 | 20,535,000 |
| Total capital | 24,849,000 | 23,244,000 | 22,794,000 | 22,550,000 |
| Risk-weighted assets | 188,917,000 | 200,221,000 | 209,100,000 | 218,191,000 |