Call reports 2005
ALTON BANK — 2005
What ALTON 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 | 41,747,000 | 41,317,000 | 41,228,000 | 42,954,000 |
| Total loans | 20,767,000 | 21,675,000 | 21,483,000 | 22,124,000 |
| Allowance for loan losses | 251,000 | 260,000 | 270,000 | 260,000 |
| Securities available for sale | 5,244,000 | 5,757,000 | 5,722,000 | 5,682,000 |
| Securities held to maturity | 11,676,000 | 11,154,000 | 11,108,000 | 11,036,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,998,000 | 34,526,000 | 34,285,000 | 36,054,000 |
| Interest-bearing deposits | 29,861,000 | 29,247,000 | 28,230,000 | 30,176,000 |
| Noninterest-bearing deposits | 5,137,000 | 5,279,000 | 6,055,000 | 5,878,000 |
| Equity capital | 6,628,000 | 6,650,000 | 6,729,000 | 6,778,000 |
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 | 553,000 | 1,142,000 | 1,743,000 | 2,359,000 |
| Interest expense | 154,000 | 318,000 | 496,000 | 696,000 |
| Net interest income | 399,000 | 824,000 | 1,247,000 | 1,663,000 |
| Noninterest income | 52,000 | 101,000 | 147,000 | 210,000 |
| Noninterest expense | 260,000 | 518,000 | 778,000 | 1,047,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 18,000 |
| Pretax income | 185,000 | 395,000 | 598,000 | 808,000 |
| Income tax | 11,000 | 22,000 | 32,000 | 44,000 |
| Net income | 174,000 | 373,000 | 566,000 | 764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,672,000 | 6,672,000 | 6,770,000 | 6,842,000 |
| Total capital | 6,923,000 | 6,932,000 | 7,040,000 | 7,102,000 |
| Risk-weighted assets | 25,272,000 | 22,446,000 | 22,368,000 | 23,071,000 |