Call reports 2005
NORTH BROOKFIELD SAVINGS BANK — 2005
What NORTH BROOKFIELD SAVINGS 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 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 157,153,000 | 157,356,000 | 159,485,000 | 161,659,000 |
| Total loans | 88,648,000 | 90,435,000 | 92,714,000 | 96,326,000 |
| Allowance for loan losses | 510,000 | 521,000 | 535,000 | 534,000 |
| Securities available for sale | 27,010,000 | 25,063,000 | 22,462,000 | 18,942,000 |
| Securities held to maturity | 27,677,000 | 28,771,000 | 28,639,000 | 28,765,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,874,000 | 137,863,000 | 139,553,000 | 138,541,000 |
| Interest-bearing deposits | 133,652,000 | 133,948,000 | 134,783,000 | 133,950,000 |
| Noninterest-bearing deposits | 3,222,000 | 3,915,000 | 4,770,000 | 4,591,000 |
| Equity capital | 18,250,000 | 18,731,000 | 19,006,000 | 19,197,000 |
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 | 1,851,000 | 3,729,000 | 5,653,000 | 7,626,000 |
| Interest expense | 542,000 | 1,140,000 | 1,758,000 | 2,463,000 |
| Net interest income | 1,309,000 | 2,589,000 | 3,895,000 | 5,163,000 |
| Noninterest income | 206,000 | 440,000 | 696,000 | 959,000 |
| Noninterest expense | 993,000 | 2,077,000 | 3,111,000 | 4,384,000 |
| Provision for loan losses | 15,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 507,000 | 927,000 | 1,455,000 | 1,713,000 |
| Income tax | 91,000 | 185,000 | 323,000 | 396,000 |
| Net income | 416,000 | 742,000 | 1,132,000 | 1,317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,409,000 | 18,735,000 | 19,127,000 | 19,308,000 |
| Total capital | 18,919,000 | 19,256,000 | 19,662,000 | 19,842,000 |
| Risk-weighted assets | 75,128,000 | 76,210,000 | 77,960,000 | 78,718,000 |