Call reports 2005
SOLUTIONSBANK — 2005
What SOLUTIONSBANK 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 | 185,381,000 | 209,124,000 | 218,481,000 | 236,915,000 |
| Total loans | 154,655,000 | 165,126,000 | 180,911,000 | 192,315,000 |
| Allowance for loan losses | 1,488,000 | 1,717,000 | 1,938,000 | 2,092,000 |
| Securities available for sale | 16,301,000 | 15,698,000 | 17,185,000 | 30,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,714,000 | 158,836,000 | 162,604,000 | 183,228,000 |
| Interest-bearing deposits | 123,979,000 | 139,349,000 | 140,652,000 | 160,864,000 |
| Noninterest-bearing deposits | 15,735,000 | 19,487,000 | 21,952,000 | 22,364,000 |
| Equity capital | 17,226,000 | 19,991,000 | 20,469,000 | 20,636,000 |
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 | 2,376,000 | 5,492,000 | 8,974,000 | 12,940,000 |
| Interest expense | 727,000 | 1,664,000 | 2,834,000 | 4,316,000 |
| Net interest income | 1,649,000 | 3,828,000 | 6,140,000 | 8,624,000 |
| Noninterest income | 271,000 | 497,000 | 787,000 | 979,000 |
| Noninterest expense | 1,213,000 | 2,727,000 | 4,309,000 | 6,091,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 825,000 |
| Pretax income | 482,000 | 1,148,000 | 1,943,000 | 2,687,000 |
| Income tax | 176,000 | 415,000 | 717,000 | 982,000 |
| Net income | 306,000 | 733,000 | 1,226,000 | 1,705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,235,000 | 16,973,000 | 17,497,000 | 17,527,000 |
| Total capital | 15,723,000 | 18,690,000 | 19,435,000 | 19,619,000 |
| Risk-weighted assets | 156,983,000 | 166,547,000 | 179,692,000 | 192,329,000 |