Call reports 2005
BANK OF PALATINE — 2005
What BANK OF PALATINE 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 | 59,940,000 | 60,697,000 | 61,003,000 | 59,448,000 |
| Total loans | 24,049,000 | 21,553,000 | 22,406,000 | 22,541,000 |
| Allowance for loan losses | 414,000 | 424,000 | 433,000 | 404,000 |
| Securities available for sale | 6,000 | 6,000 | 6,000 | 6,000 |
| Securities held to maturity | 16,018,000 | 16,018,000 | 11,015,000 | 11,011,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,876,000 | 54,491,000 | 54,699,000 | 53,169,000 |
| Interest-bearing deposits | 42,354,000 | 42,623,000 | 42,424,000 | 42,218,000 |
| Noninterest-bearing deposits | 11,522,000 | 11,868,000 | 12,275,000 | 10,951,000 |
| Equity capital | 6,018,000 | 6,077,000 | 6,125,000 | 6,209,000 |
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 | 629,000 | 1,275,000 | 1,956,000 | 2,673,000 |
| Interest expense | 118,000 | 262,000 | 425,000 | 605,000 |
| Net interest income | 511,000 | 1,013,000 | 1,531,000 | 2,068,000 |
| Noninterest income | 92,000 | 182,000 | 279,000 | 372,000 |
| Noninterest expense | 516,000 | 1,015,000 | 1,523,000 | 1,966,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 0 |
| Pretax income | 78,000 | 162,000 | 260,000 | 474,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 78,000 | 162,000 | 260,000 | 474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,018,000 | 6,077,000 | 6,125,000 | 6,209,000 |
| Total capital | 6,351,000 | 6,391,000 | 6,461,000 | 6,539,000 |
| Risk-weighted assets | 26,586,000 | 24,971,000 | 26,750,000 | 26,330,000 |