Call reports 2005
FIRST NEIGHBORHOOD BANK, INC. — 2005
What FIRST NEIGHBORHOOD 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 | 122,035,000 | 121,166,000 | 124,078,000 | 124,973,000 |
| Total loans | 83,784,000 | 83,371,000 | 84,246,000 | 82,508,000 |
| Allowance for loan losses | 1,284,000 | 1,255,000 | 1,208,000 | 1,157,000 |
| Securities available for sale | 13,010,000 | 12,438,000 | 12,190,000 | 13,944,000 |
| Securities held to maturity | 10,033,000 | 10,028,000 | 10,024,000 | 10,633,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,059,000 | 108,063,000 | 110,890,000 | 112,034,000 |
| Interest-bearing deposits | 90,819,000 | 89,171,000 | 90,793,000 | 89,871,000 |
| Noninterest-bearing deposits | 18,240,000 | 18,892,000 | 20,097,000 | 22,163,000 |
| Equity capital | 11,586,000 | 11,673,000 | 11,690,000 | 11,443,000 |
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 | 1,560,000 | 3,174,000 | 4,872,000 | 6,575,000 |
| Interest expense | 454,000 | 960,000 | 1,494,000 | 2,072,000 |
| Net interest income | 1,106,000 | 2,214,000 | 3,378,000 | 4,503,000 |
| Noninterest income | 120,000 | 250,000 | 391,000 | 506,000 |
| Noninterest expense | 974,000 | 1,934,000 | 2,918,000 | 3,929,000 |
| Provision for loan losses | 37,000 | 75,000 | 112,000 | 112,000 |
| Pretax income | 215,000 | 455,000 | 739,000 | 956,000 |
| Income tax | 47,000 | 145,000 | 254,000 | 329,000 |
| Net income | 168,000 | 310,000 | 485,000 | 627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,653,000 | 11,719,000 | 11,754,000 | 11,564,000 |
| Total capital | 12,707,000 | 12,763,000 | 12,811,000 | 12,601,000 |
| Risk-weighted assets | 84,059,000 | 83,302,000 | 84,424,000 | 82,836,000 |