Call reports 2005
PENINSULA BANK, THE — 2005
What PENINSULA 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 | 119,586,000 | 118,886,000 | 119,751,000 | 116,906,000 |
| Total loans | 91,429,000 | 92,886,000 | 94,389,000 | 94,368,000 |
| Allowance for loan losses | 1,144,000 | 1,155,000 | 1,173,000 | 1,206,000 |
| Securities available for sale | 7,712,000 | 9,247,000 | 9,526,000 | 10,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,518,000 | 99,988,000 | 99,990,000 | 95,977,000 |
| Interest-bearing deposits | 91,289,000 | 88,497,000 | 89,330,000 | 84,709,000 |
| Noninterest-bearing deposits | 9,229,000 | 11,491,000 | 10,660,000 | 11,268,000 |
| Equity capital | 11,722,000 | 11,985,000 | 12,381,000 | 12,311,000 |
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 | 1,700,000 | 3,516,000 | 5,458,000 | 7,476,000 |
| Interest expense | 459,000 | 936,000 | 1,453,000 | 2,010,000 |
| Net interest income | 1,241,000 | 2,580,000 | 4,005,000 | 5,466,000 |
| Noninterest income | 187,000 | 370,000 | 543,000 | 727,000 |
| Noninterest expense | 816,000 | 1,684,000 | 2,621,000 | 3,701,000 |
| Provision for loan losses | 45,000 | 100,000 | 150,000 | 210,000 |
| Pretax income | 567,000 | 1,166,000 | 1,777,000 | 2,282,000 |
| Income tax | 179,000 | 371,000 | 562,000 | 738,000 |
| Net income | 388,000 | 795,000 | 1,215,000 | 1,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,641,000 | 11,883,000 | 12,303,000 | 12,295,000 |
| Total capital | 12,631,000 | 12,918,000 | 13,370,000 | 13,371,000 |
| Risk-weighted assets | 79,062,000 | 82,682,000 | 85,210,000 | 85,934,000 |