Call reports 2005
ADVANTAGE BANK — 2005
What ADVANTAGE 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 | 154,995,000 | 165,981,000 | 169,941,000 | 168,082,000 |
| Total loans | 114,256,000 | 117,136,000 | 121,298,000 | 125,800,000 |
| Allowance for loan losses | 1,144,000 | 1,172,000 | 1,214,000 | 1,266,000 |
| Securities available for sale | 10,107,000 | 9,829,000 | 9,198,000 | 8,690,000 |
| Securities held to maturity | 14,138,000 | 18,703,000 | 20,230,000 | 20,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,920,000 | 151,640,000 | 155,272,000 | 152,104,000 |
| Interest-bearing deposits | 114,266,000 | 125,271,000 | 127,491,000 | 121,691,000 |
| Noninterest-bearing deposits | 26,654,000 | 26,369,000 | 27,780,000 | 30,413,000 |
| Equity capital | 13,604,000 | 13,910,000 | 14,096,000 | 14,404,000 |
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 | 1,976,000 | 4,122,000 | 6,439,000 | 8,864,000 |
| Interest expense | 561,000 | 1,276,000 | 2,093,000 | 2,984,000 |
| Net interest income | 1,415,000 | 2,846,000 | 4,346,000 | 5,880,000 |
| Noninterest income | 111,000 | 183,000 | 275,000 | 340,000 |
| Noninterest expense | 1,190,000 | 2,331,000 | 3,505,000 | 4,674,000 |
| Provision for loan losses | 44,000 | 72,000 | 116,000 | 252,000 |
| Pretax income | 292,000 | 626,000 | 1,000,000 | 1,294,000 |
| Income tax | 118,000 | 254,000 | 408,000 | 529,000 |
| Net income | 174,000 | 372,000 | 592,000 | 765,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,889,000 | 14,087,000 | 14,308,000 | 14,668,000 |
| Total capital | 15,033,000 | 15,259,000 | 15,522,000 | 15,934,000 |
| Risk-weighted assets | 119,880,000 | 124,900,000 | 128,168,000 | 130,983,000 |