Call reports 2005
ALLAIRE COMMUNITY BANK — 2005
What ALLAIRE COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Total assets | 197,319,000 | 200,430,000 |
| Total loans | 121,624,000 | 119,342,000 |
| Allowance for loan losses | 1,217,000 | 1,216,000 |
| Securities available for sale | 53,407,000 | 50,331,000 |
| Securities held to maturity | 8,665,000 | 8,656,000 |
| Trading assets | 0 | 0 |
| Total deposits | 164,279,000 | 180,786,000 |
| Interest-bearing deposits | 125,063,000 | 135,977,000 |
| Noninterest-bearing deposits | 39,216,000 | 44,809,000 |
| Equity capital | 16,275,000 | 17,432,000 |
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 |
|---|---|---|
| Interest income | 2,687,000 | 5,493,000 |
| Interest expense | 526,000 | 1,105,000 |
| Net interest income | 2,161,000 | 4,388,000 |
| Noninterest income | 143,000 | 295,000 |
| Noninterest expense | 1,517,000 | 3,043,000 |
| Provision for loan losses | 15,000 | 15,000 |
| Pretax income | 772,000 | 1,625,000 |
| Income tax | 275,000 | 577,000 |
| Net income | 497,000 | 1,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Tier 1 capital | 16,551,000 | 16,806,000 |
| Total capital | 17,768,000 | 18,022,000 |
| Risk-weighted assets | 141,249,000 | 139,330,000 |