Call reports 2005
BANKESB — 2005
What BANKESB 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 | 640,133,000 | 647,604,000 | 655,656,000 | 666,748,000 |
| Total loans | 472,227,000 | 474,686,000 | 482,303,000 | 495,471,000 |
| Allowance for loan losses | 3,130,000 | 3,201,000 | 3,227,000 | 3,257,000 |
| Securities available for sale | 123,491,000 | 124,974,000 | 124,717,000 | 124,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 508,340,000 | 507,207,000 | 511,053,000 | 514,849,000 |
| Interest-bearing deposits | 473,800,000 | 472,322,000 | 474,419,000 | 478,068,000 |
| Noninterest-bearing deposits | 34,540,000 | 34,885,000 | 36,634,000 | 36,781,000 |
| Equity capital | 75,906,000 | 77,923,000 | 79,015,000 | 80,367,000 |
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 | 7,564,000 | 15,333,000 | 23,195,000 | 31,376,000 |
| Interest expense | 2,458,000 | 5,167,000 | 8,206,000 | 11,574,000 |
| Net interest income | 5,106,000 | 10,166,000 | 14,989,000 | 19,802,000 |
| Noninterest income | 885,000 | 1,776,000 | 2,677,000 | 3,642,000 |
| Noninterest expense | 3,410,000 | 6,977,000 | 10,451,000 | 14,048,000 |
| Provision for loan losses | 64,000 | 123,000 | 183,000 | 243,000 |
| Pretax income | 2,611,000 | 4,966,000 | 7,292,000 | 9,422,000 |
| Income tax | 919,000 | 1,729,000 | 2,522,000 | 3,187,000 |
| Net income | 1,692,000 | 3,237,000 | 4,770,000 | 6,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,481,000 | 78,144,000 | 79,711,000 | 81,346,000 |
| Total capital | 79,611,000 | 81,345,000 | 82,938,000 | 84,603,000 |
| Risk-weighted assets | 368,778,000 | 369,832,000 | 375,852,000 | 384,171,000 |