Call reports 2005
OGLETHORPE BANK — 2005
What OGLETHORPE 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 | 107,240,000 | 116,662,000 | 124,943,000 | 137,223,000 |
| Total loans | 89,821,000 | 94,823,000 | 104,242,000 | 112,409,000 |
| Allowance for loan losses | 991,000 | 1,056,000 | 1,156,000 | 1,251,000 |
| Securities available for sale | 1,801,000 | 1,767,000 | 1,705,000 | 1,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,495,000 | 101,538,000 | 109,321,000 | 119,844,000 |
| Interest-bearing deposits | 84,729,000 | 91,158,000 | 99,063,000 | 107,878,000 |
| Noninterest-bearing deposits | 7,765,000 | 10,380,000 | 10,258,000 | 11,966,000 |
| Equity capital | 9,481,000 | 9,674,000 | 10,043,000 | 12,034,000 |
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 | 1,355,000 | 3,050,000 | 4,931,000 | 7,128,000 |
| Interest expense | 497,000 | 1,147,000 | 1,867,000 | 2,771,000 |
| Net interest income | 858,000 | 1,903,000 | 3,064,000 | 4,357,000 |
| Noninterest income | 217,000 | 479,000 | 737,000 | 1,030,000 |
| Noninterest expense | 836,000 | 1,795,000 | 2,762,000 | 3,802,000 |
| Provision for loan losses | 186,000 | 251,000 | 354,000 | 449,000 |
| Pretax income | 52,000 | 336,000 | 683,000 | 1,134,000 |
| Income tax | 18,000 | 120,000 | 243,000 | 405,000 |
| Net income | 34,000 | 216,000 | 440,000 | 729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,530,000 | 9,696,000 | 10,068,000 | 12,070,000 |
| Total capital | 10,521,000 | 10,751,000 | 11,224,000 | 13,321,000 |
| Risk-weighted assets | 86,152,000 | 90,428,000 | 98,900,000 | 106,942,000 |