Call reports 2005
INTERCHANGE BANK — 2005
What INTERCHANGE 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 | 1,489,544,000 | 1,528,008,000 | 1,552,253,000 | 1,636,972,000 |
| Total loans | 977,089,000 | 1,019,987,000 | 1,049,332,000 | 1,110,470,000 |
| Allowance for loan losses | 9,876,000 | 9,945,000 | 10,159,000 | 10,646,000 |
| Securities available for sale | 352,405,000 | 321,648,000 | 317,539,000 | 309,945,000 |
| Securities held to maturity | 13,510,000 | 34,763,000 | 34,183,000 | 35,714,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,233,321,000 | 1,260,214,000 | 1,267,895,000 | 1,265,341,000 |
| Interest-bearing deposits | 994,957,000 | 990,929,000 | 1,026,332,000 | 999,958,000 |
| Noninterest-bearing deposits | 238,364,000 | 269,285,000 | 241,563,000 | 265,383,000 |
| Equity capital | 150,250,000 | 174,293,000 | 176,967,000 | 200,295,000 |
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 | 18,005,000 | 36,857,000 | 56,916,000 | 78,514,000 |
| Interest expense | 4,441,000 | 9,784,000 | 15,823,000 | 22,707,000 |
| Net interest income | 13,564,000 | 27,073,000 | 41,093,000 | 55,807,000 |
| Noninterest income | 2,127,000 | 4,352,000 | 6,943,000 | 9,891,000 |
| Noninterest expense | 9,069,000 | 18,094,000 | 27,263,000 | 35,271,000 |
| Provision for loan losses | 175,000 | 400,000 | 700,000 | 925,000 |
| Pretax income | 6,514,000 | 13,248,000 | 20,467,000 | 29,896,000 |
| Income tax | 2,009,000 | 4,050,000 | 6,208,000 | 9,184,000 |
| Net income | 4,505,000 | 9,198,000 | 14,259,000 | 20,712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,501,000 | 117,588,000 | 121,041,000 | 130,197,000 |
| Total capital | 104,397,000 | 127,553,000 | 131,220,000 | 140,863,000 |
| Risk-weighted assets | 1,033,193,000 | 1,068,596,000 | 1,104,492,000 | 1,175,529,000 |