Call reports 2005
LA MONTE COMMUNITY BANK — 2005
What LA MONTE COMMUNITY 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 | 24,638,000 | 24,199,000 | 23,315,000 | 23,257,000 |
| Total loans | 14,319,000 | 14,414,000 | 14,074,000 | 14,366,000 |
| Allowance for loan losses | 204,000 | 204,000 | 204,000 | 203,000 |
| Securities available for sale | 9,613,000 | 9,124,000 | 7,899,000 | 7,870,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,726,000 | 21,454,000 | 20,516,000 | 19,533,000 |
| Interest-bearing deposits | 19,926,000 | 19,738,000 | 18,721,000 | 17,967,000 |
| Noninterest-bearing deposits | 1,800,000 | 1,716,000 | 1,795,000 | 1,566,000 |
| Equity capital | 2,616,000 | 2,661,000 | 2,699,000 | 2,728,000 |
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 | 281,000 | 572,000 | 867,000 | 1,152,000 |
| Interest expense | 96,000 | 205,000 | 315,000 | 422,000 |
| Net interest income | 185,000 | 367,000 | 552,000 | 730,000 |
| Noninterest income | 19,000 | 33,000 | 39,000 | 58,000 |
| Noninterest expense | 134,000 | 283,000 | 424,000 | 572,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 70,000 | 117,000 | 173,000 | 222,000 |
| Income tax | 22,000 | 37,000 | 53,000 | 67,000 |
| Net income | 48,000 | 80,000 | 120,000 | 155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,664,000 | 2,696,000 | 2,736,000 | 2,771,000 |
| Total capital | 2,822,000 | 2,854,000 | 2,893,000 | 2,932,000 |
| Risk-weighted assets | 12,644,000 | 12,605,000 | 12,520,000 | 12,856,000 |