Call reports 2005
COMMUNITY BANK OF OELWEIN — 2005
What COMMUNITY BANK OF OELWEIN 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 | 40,601,000 | 39,581,000 | 37,804,000 | 37,738,000 |
| Total loans | 30,003,000 | 30,073,000 | 29,600,000 | 29,682,000 |
| Allowance for loan losses | 401,000 | 458,000 | 308,000 | 318,000 |
| Securities available for sale | 2,476,000 | 2,702,000 | 2,813,000 | 3,161,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,891,000 | 32,735,000 | 30,624,000 | 31,404,000 |
| Interest-bearing deposits | 30,846,000 | 30,928,000 | 28,659,000 | 29,360,000 |
| Noninterest-bearing deposits | 3,045,000 | 1,807,000 | 1,965,000 | 2,044,000 |
| Equity capital | 3,325,000 | 3,383,000 | 3,436,000 | 3,471,000 |
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 | 562,000 | 1,118,000 | 1,702,000 | 2,274,000 |
| Interest expense | 252,000 | 511,000 | 777,000 | 1,045,000 |
| Net interest income | 310,000 | 607,000 | 925,000 | 1,229,000 |
| Noninterest income | 51,000 | 105,000 | 143,000 | 230,000 |
| Noninterest expense | 243,000 | 484,000 | 742,000 | 1,021,000 |
| Provision for loan losses | 36,000 | 84,000 | 84,000 | 94,000 |
| Pretax income | 82,000 | 144,000 | 242,000 | 344,000 |
| Income tax | 27,000 | 46,000 | 76,000 | 105,000 |
| Net income | 55,000 | 98,000 | 166,000 | 239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,338,000 | 3,381,000 | 3,449,000 | 3,498,000 |
| Total capital | 3,710,000 | 3,750,000 | 3,757,000 | 3,816,000 |
| Risk-weighted assets | 29,745,000 | 29,435,000 | 29,129,000 | 29,400,000 |