Call reports 2005
TRUBANK — 2005
What TRUBANK 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 | 91,237,000 | 95,323,000 | 99,230,000 | 99,617,000 |
| Total loans | 63,296,000 | 67,265,000 | 68,613,000 | 69,341,000 |
| Allowance for loan losses | 959,000 | 977,000 | 1,006,000 | 1,013,000 |
| Securities available for sale | 22,552,000 | 21,652,000 | 21,155,000 | 20,400,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,070,000 | 77,735,000 | 79,475,000 | 80,325,000 |
| Interest-bearing deposits | 65,934,000 | 67,745,000 | 68,198,000 | 68,472,000 |
| Noninterest-bearing deposits | 10,136,000 | 9,990,000 | 11,277,000 | 11,853,000 |
| Equity capital | 8,028,000 | 8,364,000 | 8,535,000 | 8,772,000 |
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 | 1,234,000 | 2,585,000 | 3,994,000 | 5,464,000 |
| Interest expense | 335,000 | 732,000 | 1,198,000 | 1,719,000 |
| Net interest income | 899,000 | 1,853,000 | 2,796,000 | 3,745,000 |
| Noninterest income | 136,000 | 297,000 | 474,000 | 641,000 |
| Noninterest expense | 709,000 | 1,454,000 | 2,213,000 | 2,952,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 296,000 | 648,000 | 984,000 | 1,343,000 |
| Income tax | 100,000 | 216,000 | 325,000 | 430,000 |
| Net income | 196,000 | 432,000 | 659,000 | 913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,160,000 | 8,397,000 | 8,624,000 | 8,670,000 |
| Total capital | 8,946,000 | 9,235,000 | 9,491,000 | 9,546,000 |
| Risk-weighted assets | 62,744,000 | 66,861,000 | 69,199,000 | 69,975,000 |