Call reports 2005
EMPRISE BANK — 2005
What EMPRISE 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 | 650,998,000 | 806,098,000 | 801,281,000 | 796,971,000 |
| Total loans | 457,556,000 | 605,755,000 | 611,489,000 | 591,552,000 |
| Allowance for loan losses | 7,266,000 | 8,750,000 | 8,891,000 | 9,000,000 |
| Securities available for sale | 131,178,000 | 128,790,000 | 119,460,000 | 117,628,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 578,617,000 | 714,216,000 | 703,489,000 | 709,289,000 |
| Interest-bearing deposits | 459,925,000 | 576,141,000 | 565,879,000 | 567,359,000 |
| Noninterest-bearing deposits | 118,692,000 | 138,075,000 | 137,610,000 | 141,930,000 |
| Equity capital | 51,166,000 | 71,068,000 | 70,377,000 | 69,691,000 |
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 | 7,710,000 | 20,464,000 | 31,490,000 | 42,930,000 |
| Interest expense | 1,592,000 | 4,372,000 | 7,030,000 | 9,898,000 |
| Net interest income | 6,118,000 | 16,092,000 | 24,460,000 | 33,032,000 |
| Noninterest income | 2,355,000 | 5,501,000 | 8,392,000 | 11,130,000 |
| Noninterest expense | 6,019,000 | 14,745,000 | 22,337,000 | 29,728,000 |
| Provision for loan losses | 180,000 | 400,000 | 655,000 | 910,000 |
| Pretax income | 2,274,000 | 6,433,000 | 9,841,000 | 13,505,000 |
| Income tax | 92,000 | 259,000 | 397,000 | 534,000 |
| Net income | 2,182,000 | 6,174,000 | 9,444,000 | 12,971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,720,000 | 64,774,000 | 64,056,000 | 63,594,000 |
| Total capital | 55,048,000 | 72,689,000 | 72,108,000 | 71,475,000 |
| Risk-weighted assets | 505,326,000 | 631,201,000 | 643,332,000 | 629,393,000 |