Call reports 2005
FOSTER BANK, THE — 2005
What FOSTER 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 | 361,587,000 | 386,756,000 | 411,920,000 | 428,964,000 |
| Total loans | 304,511,000 | 326,911,000 | 356,765,000 | 371,172,000 |
| Allowance for loan losses | 2,460,000 | 2,670,000 | 2,883,000 | 3,060,000 |
| Securities available for sale | 42,178,000 | 39,072,000 | 35,689,000 | 33,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,456,000 | 315,004,000 | 332,475,000 | 345,295,000 |
| Interest-bearing deposits | 212,249,000 | 216,345,000 | 232,831,000 | 247,517,000 |
| Noninterest-bearing deposits | 98,207,000 | 98,659,000 | 99,644,000 | 97,778,000 |
| Equity capital | 30,833,000 | 31,662,000 | 38,326,000 | 40,427,000 |
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 | 5,109,000 | 10,832,000 | 17,276,000 | 24,344,000 |
| Interest expense | 1,136,000 | 2,500,000 | 4,257,000 | 6,454,000 |
| Net interest income | 3,973,000 | 8,332,000 | 13,019,000 | 17,890,000 |
| Noninterest income | 1,062,000 | 2,074,000 | 3,053,000 | 4,000,000 |
| Noninterest expense | 2,971,000 | 5,989,000 | 9,131,000 | 12,274,000 |
| Provision for loan losses | 210,000 | 420,000 | 630,000 | 840,000 |
| Pretax income | 1,854,000 | 3,997,000 | 6,311,000 | 8,776,000 |
| Income tax | 21,000 | 42,000 | 71,000 | 146,000 |
| Net income | 1,833,000 | 3,955,000 | 6,240,000 | 8,630,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,857,000 | 31,449,000 | 38,321,000 | 40,715,000 |
| Total capital | 33,317,000 | 34,119,000 | 41,204,000 | 43,775,000 |
| Risk-weighted assets | 289,058,000 | 314,261,000 | 341,613,000 | 352,853,000 |