Call reports 2005
BANK OF TUSCALOOSA, THE — 2005
What BANK OF TUSCALOOSA, THE 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 | 358,857,000 | 368,482,000 | 375,234,000 | 384,453,000 |
| Total loans | 310,689,000 | 316,322,000 | 320,431,000 | 332,248,000 |
| Allowance for loan losses | 4,703,000 | 4,688,000 | 5,062,000 | 5,074,000 |
| Securities available for sale | 32,851,000 | 33,049,000 | 35,478,000 | 34,345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,343,000 | 285,028,000 | 303,451,000 | 311,584,000 |
| Interest-bearing deposits | 224,570,000 | 231,440,000 | 248,979,000 | 254,594,000 |
| Noninterest-bearing deposits | 49,773,000 | 53,588,000 | 54,472,000 | 56,990,000 |
| Equity capital | 31,317,000 | 32,876,000 | 33,558,000 | 33,574,000 |
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 | 4,864,000 | 10,192,000 | 15,984,000 | 22,180,000 |
| Interest expense | 1,229,000 | 2,799,000 | 4,569,000 | 6,537,000 |
| Net interest income | 3,635,000 | 7,393,000 | 11,415,000 | 15,643,000 |
| Noninterest income | 687,000 | 1,477,000 | 2,279,000 | 2,924,000 |
| Noninterest expense | 1,901,000 | 3,744,000 | 5,556,000 | 7,663,000 |
| Provision for loan losses | -50,000 | 100,000 | 550,000 | 1,000,000 |
| Pretax income | 2,471,000 | 5,026,000 | 7,588,000 | 9,904,000 |
| Income tax | 871,000 | 1,772,000 | 2,679,000 | 3,489,000 |
| Net income | 1,600,000 | 3,254,000 | 4,909,000 | 6,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,451,000 | 32,858,000 | 33,673,000 | 33,762,000 |
| Total capital | 35,822,000 | 37,309,000 | 38,232,000 | 38,447,000 |
| Risk-weighted assets | 349,363,000 | 355,860,000 | 364,205,000 | 374,448,000 |