Call reports 2005
COLDWATER NATIVE BANK, THE — 2005
What COLDWATER NATIVE BANK, THE 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 | 14,422,000 | 14,584,000 | 13,370,000 | 14,577,000 |
| Total loans | 2,463,000 | 2,632,000 | 2,794,000 | 3,070,000 |
| Allowance for loan losses | 66,000 | 67,000 | 67,000 | 66,000 |
| Securities available for sale | 8,909,000 | 9,171,000 | 8,863,000 | 8,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,303,000 | 11,262,000 | 10,135,000 | 11,390,000 |
| Interest-bearing deposits | 9,790,000 | 9,859,000 | 8,419,000 | 9,656,000 |
| Noninterest-bearing deposits | 1,513,000 | 1,403,000 | 1,716,000 | 1,734,000 |
| Equity capital | 3,089,000 | 3,251,000 | 3,191,000 | 3,146,000 |
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 | 154,000 | 318,000 | 473,000 | 637,000 |
| Interest expense | 28,000 | 57,000 | 89,000 | 125,000 |
| Net interest income | 126,000 | 261,000 | 384,000 | 512,000 |
| Noninterest income | 13,000 | 26,000 | 40,000 | 51,000 |
| Noninterest expense | 105,000 | 205,000 | 311,000 | 434,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 34,000 | 82,000 | 113,000 | 129,000 |
| Income tax | 10,000 | 17,000 | 27,000 | 37,000 |
| Net income | 24,000 | 65,000 | 86,000 | 92,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,260,000 | 3,300,000 | 3,322,000 | 3,328,000 |
| Total capital | 3,326,000 | 3,367,000 | 3,389,000 | 3,394,000 |
| Risk-weighted assets | 4,857,000 | 5,055,000 | 4,940,000 | 5,420,000 |