Call reports 2005
BANK OF BOURBONNAIS — 2005
What BANK OF BOURBONNAIS 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 | 52,084,000 | 56,495,000 | 57,797,000 | 56,443,000 |
| Total loans | 38,320,000 | 39,456,000 | 43,306,000 | 43,595,000 |
| Allowance for loan losses | 574,000 | 580,000 | 576,000 | 582,000 |
| Securities available for sale | 6,244,000 | 6,220,000 | 5,101,000 | 4,798,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,264,000 | 51,550,000 | 51,966,000 | 49,461,000 |
| Interest-bearing deposits | 42,784,000 | 45,598,000 | 46,501,000 | 43,552,000 |
| Noninterest-bearing deposits | 4,480,000 | 5,952,000 | 5,465,000 | 5,909,000 |
| Equity capital | 3,898,000 | 4,006,000 | 4,088,000 | 4,159,000 |
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 | 697,000 | 1,430,000 | 2,227,000 | 3,029,000 |
| Interest expense | 247,000 | 515,000 | 818,000 | 1,127,000 |
| Net interest income | 450,000 | 915,000 | 1,409,000 | 1,902,000 |
| Noninterest income | 28,000 | 61,000 | 97,000 | 131,000 |
| Noninterest expense | 367,000 | 724,000 | 1,085,000 | 1,439,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 105,000 | 240,000 | 403,000 | 570,000 |
| Income tax | 37,000 | 72,000 | 122,000 | 181,000 |
| Net income | 68,000 | 168,000 | 281,000 | 389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,957,000 | 4,041,000 | 4,139,000 | 4,218,000 |
| Total capital | 4,445,000 | 4,547,000 | 4,691,000 | 4,748,000 |
| Risk-weighted assets | 39,018,000 | 40,499,000 | 44,330,000 | 42,450,000 |