Call reports 2005
INTERNATIONAL BANK — 2005
What INTERNATIONAL 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 | 33,335,000 | 35,185,000 | 40,403,000 | 48,167,000 |
| Total loans | 23,926,000 | 25,567,000 | 27,847,000 | 30,133,000 |
| Allowance for loan losses | 240,000 | 260,000 | 283,000 | 314,000 |
| Securities available for sale | 2,322,000 | 2,536,000 | 2,592,000 | 6,765,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,756,000 | 31,448,000 | 36,255,000 | 44,142,000 |
| Interest-bearing deposits | 22,785,000 | 24,512,000 | 27,441,000 | 35,555,000 |
| Noninterest-bearing deposits | 6,971,000 | 6,936,000 | 8,814,000 | 8,587,000 |
| Equity capital | 3,404,000 | 3,539,000 | 3,672,000 | 3,818,000 |
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 | 512,000 | 1,099,000 | 1,753,000 | 2,527,000 |
| Interest expense | 128,000 | 273,000 | 444,000 | 675,000 |
| Net interest income | 384,000 | 826,000 | 1,309,000 | 1,852,000 |
| Noninterest income | 83,000 | 184,000 | 267,000 | 415,000 |
| Noninterest expense | 298,000 | 643,000 | 970,000 | 1,367,000 |
| Provision for loan losses | 15,000 | 35,000 | 61,000 | 95,000 |
| Pretax income | 154,000 | 332,000 | 545,000 | 805,000 |
| Income tax | 49,000 | 112,000 | 183,000 | 271,000 |
| Net income | 105,000 | 220,000 | 362,000 | 534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,406,000 | 3,522,000 | 3,663,000 | 3,835,000 |
| Total capital | 3,649,000 | 3,782,000 | 3,950,000 | 4,152,000 |
| Risk-weighted assets | 25,871,000 | 27,043,000 | 29,890,000 | 32,963,000 |