Call reports 2005
NORTHERN SKY BANK — 2005
What NORTHERN SKY 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 | 36,733,000 | 35,659,000 | 34,583,000 | 37,373,000 |
| Total loans | 18,021,000 | 19,323,000 | 20,848,000 | 19,392,000 |
| Allowance for loan losses | 212,000 | 208,000 | 208,000 | 207,000 |
| Securities available for sale | 10,397,000 | 11,132,000 | 10,073,000 | 10,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,560,000 | 32,379,000 | 30,832,000 | 33,923,000 |
| Interest-bearing deposits | 28,430,000 | 27,645,000 | 26,394,000 | 28,392,000 |
| Noninterest-bearing deposits | 5,130,000 | 4,734,000 | 4,438,000 | 5,531,000 |
| Equity capital | 3,071,000 | 3,163,000 | 3,210,000 | 3,301,000 |
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 | 411,000 | 837,000 | 1,294,000 | 1,780,000 |
| Interest expense | 100,000 | 213,000 | 341,000 | 486,000 |
| Net interest income | 311,000 | 624,000 | 953,000 | 1,294,000 |
| Noninterest income | 42,000 | 94,000 | 142,000 | 176,000 |
| Noninterest expense | 217,000 | 428,000 | 652,000 | 900,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 136,000 | 290,000 | 440,000 | 567,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 136,000 | 290,000 | 440,000 | 567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,195,000 | 3,233,000 | 3,324,000 | 3,450,000 |
| Total capital | 3,407,000 | 3,441,000 | 3,532,000 | 3,657,000 |
| Risk-weighted assets | 22,047,000 | 22,790,000 | 23,428,000 | 22,500,000 |