Call reports 2005
TARBORO SAVINGS BANK, SSB — 2005
What TARBORO SAVINGS BANK, SSB 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 | 29,069,000 | 29,269,000 | 28,356,000 | 27,893,000 |
| Total loans | 19,358,000 | 18,680,000 | 18,549,000 | 18,231,000 |
| Allowance for loan losses | 65,000 | 72,000 | 28,000 | 29,000 |
| Securities available for sale | 825,000 | 845,000 | 731,000 | 847,000 |
| Securities held to maturity | 1,749,000 | 1,739,000 | 1,708,000 | 1,697,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,525,000 | 23,653,000 | 22,806,000 | 22,256,000 |
| Interest-bearing deposits | 23,525,000 | 23,653,000 | 22,806,000 | 22,256,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 5,207,000 | 5,259,000 | 5,229,000 | 5,299,000 |
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 | 378,000 | 738,000 | 1,116,000 | 1,486,000 |
| Interest expense | 123,000 | 250,000 | 383,000 | 531,000 |
| Net interest income | 255,000 | 488,000 | 733,000 | 955,000 |
| Noninterest income | 4,000 | 10,000 | 15,000 | 35,000 |
| Noninterest expense | 170,000 | 350,000 | 541,000 | 791,000 |
| Provision for loan losses | 0 | 7,000 | 9,000 | 10,000 |
| Pretax income | 89,000 | 141,000 | 198,000 | 189,000 |
| Income tax | 29,000 | 41,000 | 59,000 | 50,000 |
| Net income | 60,000 | 100,000 | 139,000 | 139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,781,000 | 4,822,000 | 4,862,000 | 4,703,000 |
| Total capital | 5,211,000 | 5,268,000 | 5,213,000 | 5,108,000 |
| Risk-weighted assets | 12,628,000 | 12,394,000 | 12,090,000 | 11,941,000 |