Call reports 2005
CFG BANK — 2005
What CFG 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 | 47,150,000 | 62,031,000 | 71,308,000 | 72,746,000 |
| Total loans | 34,983,000 | 41,280,000 | 51,659,000 | 50,580,000 |
| Allowance for loan losses | 315,000 | 335,000 | 350,000 | 367,000 |
| Securities available for sale | 30,000 | 30,000 | 30,000 | 30,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,888,000 | 56,904,000 | 66,068,000 | 67,305,000 |
| Interest-bearing deposits | 39,803,000 | 46,807,000 | 54,633,000 | 59,164,000 |
| Noninterest-bearing deposits | 2,085,000 | 10,097,000 | 11,435,000 | 8,141,000 |
| Equity capital | 5,136,000 | 5,026,000 | 5,055,000 | 5,126,000 |
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 | 657,000 | 1,424,000 | 2,390,000 | 3,541,000 |
| Interest expense | 285,000 | 666,000 | 1,119,000 | 1,685,000 |
| Net interest income | 372,000 | 758,000 | 1,271,000 | 1,856,000 |
| Noninterest income | 132,000 | 259,000 | 410,000 | 532,000 |
| Noninterest expense | 663,000 | 1,308,000 | 1,968,000 | 2,650,000 |
| Provision for loan losses | 0 | 20,000 | 35,000 | 52,000 |
| Pretax income | -159,000 | -311,000 | -322,000 | -314,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -159,000 | -311,000 | -322,000 | -314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,841,000 | 4,733,000 | 4,763,000 | 4,835,000 |
| Total capital | 5,156,000 | 5,068,000 | 5,113,000 | 5,202,000 |
| Risk-weighted assets | 31,139,000 | 36,163,000 | 41,176,000 | 47,095,000 |