Call reports 2005
HIGH TRUST BANK — 2005
What HIGH TRUST 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 | 18,605,000 | 19,430,000 | 22,571,000 | 19,777,000 |
| Total loans | 14,520,000 | 16,225,000 | 19,336,000 | 15,229,000 |
| Allowance for loan losses | 218,000 | 225,000 | 231,000 | 237,000 |
| Securities available for sale | 689,000 | 695,000 | 692,000 | 684,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,648,000 | 15,118,000 | 17,955,000 | 17,585,000 |
| Interest-bearing deposits | 11,576,000 | 12,338,000 | 12,538,000 | 14,573,000 |
| Noninterest-bearing deposits | 4,072,000 | 2,780,000 | 5,417,000 | 3,012,000 |
| Equity capital | 1,839,000 | 1,981,000 | 2,088,000 | 2,002,000 |
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 | 271,000 | 574,000 | 903,000 | 1,220,000 |
| Interest expense | 68,000 | 175,000 | 300,000 | 423,000 |
| Net interest income | 203,000 | 399,000 | 603,000 | 797,000 |
| Noninterest income | 334,000 | 734,000 | 1,126,000 | 1,461,000 |
| Noninterest expense | 382,000 | 787,000 | 1,217,000 | 1,610,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 149,000 | 334,000 | 494,000 | 624,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 149,000 | 334,000 | 494,000 | 622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,850,000 | 1,986,000 | 2,096,000 | 2,018,000 |
| Total capital | 2,019,000 | 2,172,000 | 2,298,000 | 2,171,000 |
| Risk-weighted assets | 13,469,000 | 14,860,000 | 16,186,000 | 12,143,000 |