Call reports 2005
ELKHORN VALLEY BANK & TRUST — 2005
What ELKHORN VALLEY BANK & TRUST 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 | 256,655,000 | 261,393,000 | 267,967,000 | 279,021,000 |
| Total loans | 162,588,000 | 165,687,000 | 173,728,000 | 186,156,000 |
| Allowance for loan losses | 2,408,000 | 2,417,000 | 3,298,000 | 3,085,000 |
| Securities available for sale | 75,287,000 | 78,582,000 | 81,104,000 | 78,614,000 |
| Securities held to maturity | 665,000 | 665,000 | 645,000 | 590,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,701,000 | 225,368,000 | 231,388,000 | 243,661,000 |
| Interest-bearing deposits | 210,357,000 | 209,723,000 | 213,207,000 | 225,274,000 |
| Noninterest-bearing deposits | 17,344,000 | 15,645,000 | 18,181,000 | 18,387,000 |
| Equity capital | 21,754,000 | 22,562,000 | 23,007,000 | 21,728,000 |
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 | 3,538,000 | 7,165,000 | 10,986,000 | 15,010,000 |
| Interest expense | 1,368,000 | 2,870,000 | 4,594,000 | 6,551,000 |
| Net interest income | 2,170,000 | 4,295,000 | 6,392,000 | 8,459,000 |
| Noninterest income | 1,407,000 | 1,933,000 | 2,429,000 | 3,031,000 |
| Noninterest expense | 1,376,000 | 2,873,000 | 4,250,000 | 5,957,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,201,000 | 3,357,000 | 4,573,000 | 5,462,000 |
| Income tax | 700,000 | 1,049,000 | 1,409,000 | 1,663,000 |
| Net income | 1,501,000 | 2,308,000 | 3,164,000 | 3,799,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,198,000 | 23,005,000 | 23,860,000 | 23,228,000 |
| Total capital | 25,464,000 | 25,298,000 | 26,258,000 | 25,775,000 |
| Risk-weighted assets | 181,134,000 | 183,300,000 | 190,927,000 | 203,211,000 |