Call reports 2005
TRADERS BANK, INC. — 2005
What TRADERS BANK, INC. 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 | 108,101,000 | 103,598,000 | 102,673,000 | 105,837,000 |
| Total loans | 71,114,000 | 67,803,000 | 64,336,000 | 59,603,000 |
| Allowance for loan losses | 2,927,000 | 5,492,000 | 5,638,000 | 3,201,000 |
| Securities available for sale | 23,195,000 | 26,002,000 | 29,723,000 | 33,191,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,118,000 | 93,094,000 | 92,141,000 | 94,191,000 |
| Interest-bearing deposits | 79,721,000 | 78,297,000 | 76,449,000 | 76,854,000 |
| Noninterest-bearing deposits | 14,398,000 | 14,797,000 | 15,692,000 | 17,336,000 |
| Equity capital | 13,342,000 | 9,894,000 | 9,953,000 | 11,039,000 |
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 | 1,478,000 | 2,939,000 | 4,425,000 | 5,947,000 |
| Interest expense | 321,000 | 659,000 | 1,011,000 | 1,395,000 |
| Net interest income | 1,157,000 | 2,280,000 | 3,414,000 | 4,552,000 |
| Noninterest income | 118,000 | 265,000 | 406,000 | 577,000 |
| Noninterest expense | 1,037,000 | 2,147,000 | 3,213,000 | 4,211,000 |
| Provision for loan losses | 1,915,000 | 5,228,000 | 5,295,000 | 5,295,000 |
| Pretax income | -1,677,000 | -5,099,000 | -4,957,000 | -4,646,000 |
| Income tax | -733,000 | -551,000 | -524,000 | -1,729,000 |
| Net income | -944,000 | -4,548,000 | -4,433,000 | -2,917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,527,000 | 9,923,000 | 10,038,000 | 11,262,000 |
| Total capital | 14,453,000 | 10,812,000 | 10,901,000 | 12,081,000 |
| Risk-weighted assets | 72,059,000 | 66,527,000 | 64,230,000 | 62,885,000 |