Call reports 2005
PUBLIC BANK — 2005
What PUBLIC 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 | 347,400,000 | 366,815,000 | 385,106,000 | 382,850,000 |
| Total loans | 249,621,000 | 266,246,000 | 284,427,000 | 285,617,000 |
| Allowance for loan losses | 3,561,000 | 3,581,000 | 3,681,000 | 3,718,000 |
| Securities available for sale | 69,271,000 | 68,772,000 | 65,683,000 | 63,545,000 |
| Securities held to maturity | 866,000 | 793,000 | 716,000 | 660,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,090,000 | 310,809,000 | 319,736,000 | 308,609,000 |
| Interest-bearing deposits | 239,952,000 | 248,699,000 | 256,182,000 | 255,913,000 |
| Noninterest-bearing deposits | 56,138,000 | 62,110,000 | 63,554,000 | 52,696,000 |
| Equity capital | 28,010,000 | 29,981,000 | 30,372,000 | 31,307,000 |
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 | 4,655,000 | 9,768,000 | 15,273,000 | 21,193,000 |
| Interest expense | 1,201,000 | 2,601,000 | 4,247,000 | 6,147,000 |
| Net interest income | 3,454,000 | 7,167,000 | 11,026,000 | 15,046,000 |
| Noninterest income | 839,000 | 1,554,000 | 2,313,000 | 3,038,000 |
| Noninterest expense | 2,051,000 | 4,134,000 | 6,202,000 | 8,229,000 |
| Provision for loan losses | 70,000 | 95,000 | 330,000 | 385,000 |
| Pretax income | 2,172,000 | 4,492,000 | 6,807,000 | 9,470,000 |
| Income tax | 809,000 | 1,675,000 | 2,539,000 | 3,537,000 |
| Net income | 1,363,000 | 2,817,000 | 4,268,000 | 5,933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,053,000 | 30,160,000 | 31,138,000 | 32,330,000 |
| Total capital | 32,335,000 | 33,693,000 | 34,819,000 | 36,048,000 |
| Risk-weighted assets | 262,271,000 | 282,598,000 | 305,888,000 | 305,347,000 |