Call reports 2005
BANK OF COUSHATTA — 2005
What BANK OF COUSHATTA 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 | 83,089,000 | 84,079,000 | 83,727,000 | 83,403,000 |
| Total loans | 30,168,000 | 31,794,000 | 33,267,000 | 31,969,000 |
| Allowance for loan losses | 422,000 | 377,000 | 369,000 | 347,000 |
| Securities available for sale | 45,894,000 | 45,500,000 | 42,442,000 | 42,868,000 |
| Securities held to maturity | 578,000 | 577,000 | 576,000 | 575,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,943,000 | 60,332,000 | 60,703,000 | 60,243,000 |
| Interest-bearing deposits | 50,413,000 | 51,431,000 | 50,709,000 | 49,300,000 |
| Noninterest-bearing deposits | 9,530,000 | 8,901,000 | 9,994,000 | 10,943,000 |
| Equity capital | 6,164,000 | 6,820,000 | 6,650,000 | 6,416,000 |
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 | 1,124,000 | 2,272,000 | 3,471,000 | 4,694,000 |
| Interest expense | 472,000 | 977,000 | 1,502,000 | 2,041,000 |
| Net interest income | 652,000 | 1,295,000 | 1,969,000 | 2,653,000 |
| Noninterest income | 137,000 | 286,000 | 413,000 | 534,000 |
| Noninterest expense | 530,000 | 1,041,000 | 1,542,000 | 2,233,000 |
| Provision for loan losses | 65,000 | 156,000 | 201,000 | 246,000 |
| Pretax income | 194,000 | 428,000 | 678,000 | 747,000 |
| Income tax | 0 | 37,000 | 56,000 | 93,000 |
| Net income | 194,000 | 391,000 | 622,000 | 654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,088,000 | 6,341,000 | 6,628,000 | 6,716,000 |
| Total capital | 6,510,000 | 6,718,000 | 6,997,000 | 7,063,000 |
| Risk-weighted assets | 34,255,000 | 36,305,000 | 37,980,000 | 37,452,000 |