Call reports 2005
BANK OF ERATH — 2005
What BANK OF ERATH 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 | 60,093,000 | 60,861,000 | 61,434,000 | 71,795,000 |
| Total loans | 28,428,000 | 30,904,000 | 31,572,000 | 31,558,000 |
| Allowance for loan losses | 532,000 | 527,000 | 559,000 | 568,000 |
| Securities available for sale | 26,552,000 | 26,023,000 | 24,164,000 | 25,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,958,000 | 50,467,000 | 51,504,000 | 62,192,000 |
| Interest-bearing deposits | 36,935,000 | 35,780,000 | 36,004,000 | 38,517,000 |
| Noninterest-bearing deposits | 14,023,000 | 14,687,000 | 15,500,000 | 23,675,000 |
| Equity capital | 9,016,000 | 9,343,000 | 9,467,000 | 9,203,000 |
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 | 767,000 | 1,572,000 | 2,394,000 | 3,274,000 |
| Interest expense | 100,000 | 207,000 | 327,000 | 453,000 |
| Net interest income | 667,000 | 1,365,000 | 2,067,000 | 2,821,000 |
| Noninterest income | 129,000 | 266,000 | 374,000 | 469,000 |
| Noninterest expense | 574,000 | 1,151,000 | 1,743,000 | 2,315,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 199,000 | 435,000 | 630,000 | 885,000 |
| Income tax | 49,000 | 114,000 | 122,000 | 185,000 |
| Net income | 150,000 | 321,000 | 508,000 | 700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,167,000 | 9,307,000 | 9,517,000 | 9,369,000 |
| Total capital | 9,699,000 | 9,834,000 | 10,076,000 | 9,937,000 |
| Risk-weighted assets | 43,426,000 | 45,501,000 | 47,422,000 | 50,123,000 |