Call reports 2005
COUNTRYSIDE BANK — 2005
What COUNTRYSIDE 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 | 957,332,000 | 999,519,000 | 977,166,000 | 1,003,375,000 |
| Total loans | 702,413,000 | 700,214,000 | 729,297,000 | 772,457,000 |
| Allowance for loan losses | 9,209,000 | 9,668,000 | 9,597,000 | 10,052,000 |
| Securities available for sale | 168,895,000 | 172,464,000 | 186,307,000 | 172,429,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 827,115,000 | 861,795,000 | 860,733,000 | 871,406,000 |
| Interest-bearing deposits | 699,008,000 | 727,207,000 | 725,347,000 | 731,641,000 |
| Noninterest-bearing deposits | 128,107,000 | 134,588,000 | 135,386,000 | 139,765,000 |
| Equity capital | 83,788,000 | 91,143,000 | 91,798,000 | 93,771,000 |
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 | 15,098,000 | 31,942,000 | 50,643,000 | 70,029,000 |
| Interest expense | 4,541,000 | 10,326,000 | 16,387,000 | 22,914,000 |
| Net interest income | 10,557,000 | 21,616,000 | 34,256,000 | 47,115,000 |
| Noninterest income | 675,000 | 1,407,000 | 2,125,000 | 2,900,000 |
| Noninterest expense | 3,412,000 | 6,781,000 | 10,304,000 | 14,388,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,550,000 | 2,000,000 |
| Pretax income | 7,370,000 | 15,342,000 | 24,527,000 | 33,457,000 |
| Income tax | 88,000 | 187,000 | 292,000 | 411,000 |
| Net income | 7,282,000 | 15,155,000 | 24,235,000 | 33,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,442,000 | 87,122,000 | 89,913,000 | 92,674,000 |
| Total capital | 90,658,000 | 96,799,000 | 99,510,000 | 102,726,000 |
| Risk-weighted assets | 836,965,000 | 856,244,000 | 879,288,000 | 926,978,000 |