Call reports 2005
BANK OF BREWTON — 2005
What BANK OF BREWTON 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 | 60,193,000 | 59,308,000 | 55,214,000 | 52,316,000 |
| Total loans | 19,220,000 | 19,123,000 | 20,615,000 | 20,545,000 |
| Allowance for loan losses | 256,000 | 286,000 | 288,000 | 271,000 |
| Securities available for sale | 34,903,000 | 35,783,000 | 31,503,000 | 27,898,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,212,000 | 50,754,000 | 46,768,000 | 43,820,000 |
| Interest-bearing deposits | 36,743,000 | 36,968,000 | 33,113,000 | 31,617,000 |
| Noninterest-bearing deposits | 15,469,000 | 13,786,000 | 13,655,000 | 12,203,000 |
| Equity capital | 7,767,000 | 8,189,000 | 8,142,000 | 8,023,000 |
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 | 766,000 | 1,590,000 | 2,415,000 | 3,217,000 |
| Interest expense | 126,000 | 264,000 | 412,000 | 560,000 |
| Net interest income | 640,000 | 1,326,000 | 2,003,000 | 2,657,000 |
| Noninterest income | 73,000 | 170,000 | 271,000 | 370,000 |
| Noninterest expense | 440,000 | 859,000 | 1,461,000 | 2,092,000 |
| Provision for loan losses | -2,000 | 24,000 | 24,000 | 25,000 |
| Pretax income | 279,000 | 617,000 | 850,000 | 915,000 |
| Income tax | 87,000 | 192,000 | 264,000 | 267,000 |
| Net income | 192,000 | 425,000 | 586,000 | 648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,942,000 | 8,151,000 | 8,312,000 | 8,349,000 |
| Total capital | 8,198,000 | 8,437,000 | 8,600,000 | 8,620,000 |
| Risk-weighted assets | 29,913,000 | 29,749,000 | 30,219,000 | 29,833,000 |