Call reports 2005
CENTINEL BANK OF TAOS — 2005
What CENTINEL BANK OF TAOS 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 | 128,887,000 | 128,221,000 | 128,762,000 | 135,911,000 |
| Total loans | 71,291,000 | 74,232,000 | 74,951,000 | 77,862,000 |
| Allowance for loan losses | 969,000 | 981,000 | 994,000 | 1,025,000 |
| Securities available for sale | 34,541,000 | 33,690,000 | 31,378,000 | 29,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,921,000 | 116,254,000 | 116,830,000 | 124,026,000 |
| Interest-bearing deposits | 84,269,000 | 81,162,000 | 84,226,000 | 88,512,000 |
| Noninterest-bearing deposits | 32,652,000 | 35,092,000 | 32,604,000 | 35,514,000 |
| Equity capital | 9,556,000 | 9,515,000 | 9,353,000 | 9,331,000 |
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 | 1,681,000 | 3,468,000 | 5,351,000 | 7,372,000 |
| Interest expense | 283,000 | 613,000 | 981,000 | 1,411,000 |
| Net interest income | 1,398,000 | 2,855,000 | 4,370,000 | 5,961,000 |
| Noninterest income | 378,000 | 740,000 | 1,091,000 | 1,430,000 |
| Noninterest expense | 1,097,000 | 2,213,000 | 3,342,000 | 4,652,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 664,000 | 1,352,000 | 2,074,000 | 2,679,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 664,000 | 1,352,000 | 2,074,000 | 2,679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,910,000 | 9,656,000 | 9,759,000 | 9,832,000 |
| Total capital | 10,879,000 | 10,637,000 | 10,753,000 | 10,857,000 |
| Risk-weighted assets | 78,815,000 | 79,959,000 | 80,876,000 | 84,264,000 |