Call reports 2005
BATH NATIONAL BANK — 2005
What BATH NATIONAL 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 |
|---|---|---|---|
| Total assets | 480,902,000 | 459,253,000 | 461,476,000 |
| Total loans | 234,448,000 | 230,449,000 | 210,702,000 |
| Allowance for loan losses | 5,126,000 | 3,751,000 | 3,941,000 |
| Securities available for sale | 164,910,000 | 159,348,000 | 165,367,000 |
| Securities held to maturity | 6,022,000 | 6,391,000 | 6,526,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 366,214,000 | 342,227,000 | 346,201,000 |
| Interest-bearing deposits | 315,089,000 | 289,039,000 | 291,387,000 |
| Noninterest-bearing deposits | 51,125,000 | 53,188,000 | 54,814,000 |
| Equity capital | 78,396,000 | 78,129,000 | 79,161,000 |
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 |
|---|---|---|---|
| Interest income | 5,311,000 | 10,545,000 | 15,747,000 |
| Interest expense | 1,614,000 | 3,338,000 | 5,106,000 |
| Net interest income | 3,697,000 | 7,207,000 | 10,641,000 |
| Noninterest income | 874,000 | 1,648,000 | 4,133,000 |
| Noninterest expense | 3,112,000 | 6,345,000 | 9,312,000 |
| Provision for loan losses | 525,000 | 3,230,000 | 3,670,000 |
| Pretax income | 934,000 | -718,000 | 1,794,000 |
| Income tax | 163,000 | -735,000 | 60,000 |
| Net income | 771,000 | 17,000 | 1,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Tier 1 capital | 39,558,000 | 38,891,000 | 40,695,000 |
| Total capital | 42,653,000 | 41,880,000 | 43,514,000 |
| Risk-weighted assets | 245,539,000 | 238,364,000 | 224,430,000 |