Call reports 2005
BANK47 — 2005
What BANK47 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 | 59,396,000 | 59,935,000 | 60,677,000 | 62,708,000 |
| Total loans | 37,731,000 | 36,789,000 | 37,295,000 | 40,317,000 |
| Allowance for loan losses | 617,000 | 583,000 | 572,000 | 591,000 |
| Securities available for sale | 12,958,000 | 13,336,000 | 13,068,000 | 13,113,000 |
| Securities held to maturity | 2,184,000 | 2,184,000 | 1,904,000 | 1,911,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,320,000 | 52,577,000 | 53,221,000 | 53,196,000 |
| Interest-bearing deposits | 45,726,000 | 45,324,000 | 45,092,000 | 45,927,000 |
| Noninterest-bearing deposits | 6,594,000 | 7,253,000 | 8,129,000 | 7,269,000 |
| Equity capital | 6,654,000 | 6,868,000 | 6,901,000 | 6,976,000 |
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 | 879,000 | 1,787,000 | 2,717,000 | 3,692,000 |
| Interest expense | 230,000 | 491,000 | 774,000 | 1,106,000 |
| Net interest income | 649,000 | 1,296,000 | 1,943,000 | 2,586,000 |
| Noninterest income | 234,000 | 486,000 | 761,000 | 1,048,000 |
| Noninterest expense | 615,000 | 1,224,000 | 1,925,000 | 2,572,000 |
| Provision for loan losses | 24,000 | 30,000 | 30,000 | 76,000 |
| Pretax income | 244,000 | 528,000 | 749,000 | 986,000 |
| Income tax | 68,000 | 154,000 | 213,000 | 279,000 |
| Net income | 176,000 | 374,000 | 536,000 | 707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,611,000 | 6,759,000 | 6,871,000 | 6,992,000 |
| Total capital | 7,113,000 | 7,254,000 | 7,373,000 | 7,530,000 |
| Risk-weighted assets | 40,084,000 | 39,490,000 | 40,097,000 | 42,965,000 |