Call reports 2005
EFS BANK — 2005
What EFS BANK 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 | 1,007,572,000 | 1,032,073,000 | 1,045,122,000 | 1,053,847,000 |
| Total loans | 823,914,000 | 825,066,000 | 830,807,000 | 851,299,000 |
| Allowance for loan losses | 4,716,000 | 4,881,000 | 5,055,000 | 5,213,000 |
| Securities available for sale | 110,154,000 | 106,364,000 | 104,670,000 | 102,822,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 702,851,000 | 725,302,000 | 736,137,000 | 748,833,000 |
| Interest-bearing deposits | 656,777,000 | 676,263,000 | 689,016,000 | 694,609,000 |
| Noninterest-bearing deposits | 46,074,000 | 49,039,000 | 47,121,000 | 54,224,000 |
| Equity capital | 79,389,000 | 81,856,000 | 80,369,000 | 78,070,000 |
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 | 12,574,000 | 25,701,000 | 39,279,000 | 53,294,000 |
| Interest expense | 6,132,000 | 12,641,000 | 19,586,000 | 26,817,000 |
| Net interest income | 6,442,000 | 13,060,000 | 19,693,000 | 26,477,000 |
| Noninterest income | 1,281,000 | 2,768,000 | 4,266,000 | 5,375,000 |
| Noninterest expense | 5,420,000 | 10,821,000 | 19,570,000 | 29,229,000 |
| Provision for loan losses | 220,000 | 445,000 | 670,000 | 895,000 |
| Pretax income | 2,083,000 | 4,771,000 | 3,928,000 | 1,669,000 |
| Income tax | 522,000 | 1,285,000 | 714,000 | -403,000 |
| Net income | 1,561,000 | 3,486,000 | 3,214,000 | 2,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,807,000 | 80,313,000 | 78,957,000 | 77,420,000 |
| Total capital | 84,523,000 | 85,194,000 | 84,012,000 | 82,633,000 |
| Risk-weighted assets | 736,634,000 | 745,505,000 | 758,638,000 | 780,426,000 |