Call reports 2005
DIAMOND BANK — 2005
What DIAMOND 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 | 199,294,000 | 206,560,000 | 214,493,000 | 216,275,000 |
| Total loans | 120,662,000 | 125,930,000 | 129,207,000 | 133,413,000 |
| Allowance for loan losses | 1,718,000 | 1,763,000 | 1,823,000 | 1,701,000 |
| Securities available for sale | 62,380,000 | 61,832,000 | 61,686,000 | 65,985,000 |
| Securities held to maturity | 0 | 3,183,000 | 3,122,000 | 3,053,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,538,000 | 179,760,000 | 187,716,000 | 189,274,000 |
| Interest-bearing deposits | 158,177,000 | 160,762,000 | 167,667,000 | 170,322,000 |
| Noninterest-bearing deposits | 18,361,000 | 18,998,000 | 20,049,000 | 18,952,000 |
| Equity capital | 15,470,000 | 16,389,000 | 16,596,000 | 16,276,000 |
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 | 2,927,000 | 5,844,000 | 8,954,000 | 12,195,000 |
| Interest expense | 1,046,000 | 2,194,000 | 3,499,000 | 4,916,000 |
| Net interest income | 1,881,000 | 3,650,000 | 5,455,000 | 7,279,000 |
| Noninterest income | 551,000 | 1,113,000 | 1,694,000 | 2,269,000 |
| Noninterest expense | 1,374,000 | 2,751,000 | 4,157,000 | 5,713,000 |
| Provision for loan losses | 46,000 | 117,000 | 207,000 | 242,000 |
| Pretax income | 1,012,000 | 1,928,000 | 2,818,000 | 3,626,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,012,000 | 1,928,000 | 2,818,000 | 3,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,443,000 | 16,854,000 | 17,248,000 | 17,583,000 |
| Total capital | 17,945,000 | 18,427,000 | 18,875,000 | 19,244,000 |
| Risk-weighted assets | 119,956,000 | 125,669,000 | 129,966,000 | 133,195,000 |