Call reports 2005
TRADITIONS BANK — 2005
What TRADITIONS 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 | 66,973,000 | 75,539,000 | 88,214,000 | 94,166,000 |
| Total loans | 45,876,000 | 54,586,000 | 61,972,000 | 69,556,000 |
| Allowance for loan losses | 551,000 | 655,000 | 733,000 | 807,000 |
| Securities available for sale | 12,182,000 | 13,705,000 | 13,409,000 | 13,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,737,000 | 66,689,000 | 79,669,000 | 85,465,000 |
| Interest-bearing deposits | 53,997,000 | 61,404,000 | 71,319,000 | 78,787,000 |
| Noninterest-bearing deposits | 4,740,000 | 5,285,000 | 8,350,000 | 6,678,000 |
| Equity capital | 8,119,000 | 8,279,000 | 8,287,000 | 8,370,000 |
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 | 910,000 | 2,055,000 | 3,416,000 | 4,925,000 |
| Interest expense | 323,000 | 716,000 | 1,253,000 | 1,873,000 |
| Net interest income | 587,000 | 1,339,000 | 2,163,000 | 3,052,000 |
| Noninterest income | 53,000 | 162,000 | 280,000 | 448,000 |
| Noninterest expense | 519,000 | 1,122,000 | 1,841,000 | 2,614,000 |
| Provision for loan losses | 73,000 | 191,000 | 287,000 | 382,000 |
| Pretax income | 48,000 | 188,000 | 315,000 | 504,000 |
| Income tax | 17,000 | 68,000 | 114,000 | 168,000 |
| Net income | 31,000 | 120,000 | 201,000 | 336,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,043,000 | 8,231,000 | 8,309,000 | 8,371,000 |
| Total capital | 8,594,000 | 8,886,000 | 9,042,000 | 9,178,000 |
| Risk-weighted assets | 48,474,000 | 56,107,000 | 65,680,000 | 72,079,000 |