Call reports 2005
BELLS BANKING COMPANY — 2005
What BELLS BANKING COMPANY 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 | 32,602,000 | 31,648,000 | 31,147,000 | 31,852,000 |
| Total loans | 10,957,000 | 11,467,000 | 10,719,000 | 9,446,000 |
| Allowance for loan losses | 226,000 | 227,000 | 226,000 | 233,000 |
| Securities available for sale | 10,127,000 | 10,572,000 | 10,368,000 | 10,417,000 |
| Securities held to maturity | 1,489,000 | 1,779,000 | 1,779,000 | 1,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,888,000 | 26,802,000 | 26,236,000 | 26,996,000 |
| Interest-bearing deposits | 24,298,000 | 23,618,000 | 22,717,000 | 23,916,000 |
| Noninterest-bearing deposits | 3,590,000 | 3,184,000 | 3,519,000 | 3,080,000 |
| Equity capital | 4,511,000 | 4,620,000 | 4,664,000 | 4,647,000 |
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 | 370,000 | 769,000 | 1,172,000 | 1,574,000 |
| Interest expense | 96,000 | 206,000 | 331,000 | 490,000 |
| Net interest income | 274,000 | 563,000 | 841,000 | 1,084,000 |
| Noninterest income | 18,000 | 32,000 | 45,000 | 57,000 |
| Noninterest expense | 227,000 | 452,000 | 670,000 | 875,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 66,000 | 144,000 | 217,000 | 267,000 |
| Income tax | 8,000 | 20,000 | 30,000 | 26,000 |
| Net income | 58,000 | 124,000 | 187,000 | 241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,541,000 | 4,609,000 | 4,668,000 | 4,711,000 |
| Total capital | 4,737,000 | 4,804,000 | 4,852,000 | 4,892,000 |
| Risk-weighted assets | 15,685,000 | 15,584,000 | 14,639,000 | 14,423,000 |