Call reports 2005
ALBINA COMMUNITY BANK — 2005
What ALBINA 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 | 109,502,000 | 107,941,000 | 117,728,000 | 119,538,000 |
| Total loans | 83,551,000 | 85,275,000 | 92,705,000 | 88,583,000 |
| Allowance for loan losses | 1,204,000 | 1,204,000 | 1,328,000 | 1,258,000 |
| Securities available for sale | 13,963,000 | 12,611,000 | 13,499,000 | 19,490,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,539,000 | 90,674,000 | 103,335,000 | 104,675,000 |
| Interest-bearing deposits | 82,358,000 | 77,304,000 | 87,642,000 | 89,589,000 |
| Noninterest-bearing deposits | 13,181,000 | 13,370,000 | 15,693,000 | 15,086,000 |
| Equity capital | 9,670,000 | 9,919,000 | 9,997,000 | 10,347,000 |
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 | 1,549,000 | 3,192,000 | 5,078,000 | 7,112,000 |
| Interest expense | 397,000 | 872,000 | 1,449,000 | 2,109,000 |
| Net interest income | 1,152,000 | 2,320,000 | 3,629,000 | 5,003,000 |
| Noninterest income | 265,000 | 638,000 | 1,278,000 | 1,788,000 |
| Noninterest expense | 1,212,000 | 2,460,000 | 3,798,000 | 5,106,000 |
| Provision for loan losses | 51,000 | 56,000 | 237,000 | 283,000 |
| Pretax income | 154,000 | 442,000 | 872,000 | 1,402,000 |
| Income tax | 50,000 | 133,000 | 272,000 | 406,000 |
| Net income | 104,000 | 309,000 | 600,000 | 996,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,743,000 | 9,956,000 | 10,053,000 | 10,456,000 |
| Total capital | 10,868,000 | 11,092,000 | 11,292,000 | 11,669,000 |
| Risk-weighted assets | 89,907,000 | 90,774,000 | 99,027,000 | 96,965,000 |