Call reports 2005
BORDER TRUST COMPANY — 2005
What BORDER TRUST 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 | 68,646,000 | 72,052,000 | 76,287,000 | 83,879,000 |
| Total loans | 46,378,000 | 47,111,000 | 48,213,000 | 52,115,000 |
| Allowance for loan losses | 526,000 | 534,000 | 533,000 | 536,000 |
| Securities available for sale | 15,580,000 | 18,561,000 | 21,846,000 | 24,181,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,441,000 | 58,492,000 | 63,044,000 | 72,809,000 |
| Interest-bearing deposits | 47,430,000 | 49,528,000 | 54,211,000 | 63,195,000 |
| Noninterest-bearing deposits | 10,011,000 | 8,964,000 | 8,833,000 | 9,614,000 |
| Equity capital | 5,781,000 | 5,879,000 | 5,788,000 | 5,598,000 |
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 | 911,000 | 1,892,000 | 2,934,000 | 4,050,000 |
| Interest expense | 308,000 | 666,000 | 1,091,000 | 1,574,000 |
| Net interest income | 603,000 | 1,226,000 | 1,843,000 | 2,476,000 |
| Noninterest income | 74,000 | 169,000 | 268,000 | 318,000 |
| Noninterest expense | 632,000 | 1,320,000 | 2,017,000 | 2,700,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 47,000 | 73,000 | 104,000 | 176,000 |
| Income tax | 4,000 | 0 | -3,000 | 42,000 |
| Net income | 43,000 | 73,000 | 107,000 | 134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,864,000 | 5,873,000 | 5,886,000 | 5,892,000 |
| Total capital | 6,426,000 | 6,425,000 | 6,429,000 | 6,428,000 |
| Risk-weighted assets | 53,103,000 | 54,778,000 | 56,940,000 | 60,433,000 |