Call reports 2005
BANK OF IBERIA — 2005
What BANK OF IBERIA 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 | 48,863,000 | 49,383,000 | 50,185,000 | 49,541,000 |
| Total loans | 38,880,000 | 39,002,000 | 38,194,000 | 37,903,000 |
| Allowance for loan losses | 612,000 | 586,000 | 563,000 | 560,000 |
| Securities available for sale | 4,555,000 | 5,064,000 | 5,303,000 | 5,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,362,000 | 44,833,000 | 45,562,000 | 45,002,000 |
| Interest-bearing deposits | 40,135,000 | 40,463,000 | 41,078,000 | 40,706,000 |
| Noninterest-bearing deposits | 4,226,000 | 4,370,000 | 4,484,000 | 4,296,000 |
| Equity capital | 4,104,000 | 4,157,000 | 4,207,000 | 4,188,000 |
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 | 725,000 | 1,477,000 | 2,248,000 | 3,023,000 |
| Interest expense | 208,000 | 429,000 | 672,000 | 934,000 |
| Net interest income | 517,000 | 1,048,000 | 1,576,000 | 2,089,000 |
| Noninterest income | 76,000 | 153,000 | 244,000 | 329,000 |
| Noninterest expense | 458,000 | 922,000 | 1,395,000 | 1,939,000 |
| Provision for loan losses | 36,000 | 36,000 | 36,000 | 36,000 |
| Pretax income | 99,000 | 243,000 | 389,000 | 443,000 |
| Income tax | 27,000 | 70,000 | 114,000 | 122,000 |
| Net income | 72,000 | 173,000 | 275,000 | 321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,127,000 | 4,171,000 | 4,228,000 | 4,222,000 |
| Total capital | 4,562,000 | 4,606,000 | 4,663,000 | 4,653,000 |
| Risk-weighted assets | 34,619,000 | 34,617,000 | 34,662,000 | 34,333,000 |