Call reports 2005
CURRENCY BANK — 2005
What CURRENCY 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 | 15,678,000 | 16,196,000 | 17,054,000 | 17,168,000 |
| Total loans | 7,940,000 | 8,540,000 | 8,905,000 | 8,506,000 |
| Allowance for loan losses | 92,000 | 89,000 | 89,000 | 95,000 |
| Securities available for sale | 5,976,000 | 5,574,000 | 5,411,000 | 5,223,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,454,000 | 13,876,000 | 14,734,000 | 14,980,000 |
| Interest-bearing deposits | 10,851,000 | 11,285,000 | 11,524,000 | 11,397,000 |
| Noninterest-bearing deposits | 2,603,000 | 2,591,000 | 3,210,000 | 3,583,000 |
| Equity capital | 2,179,000 | 2,264,000 | 2,255,000 | 2,128,000 |
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 | 222,000 | 445,000 | 684,000 | 935,000 |
| Interest expense | 49,000 | 103,000 | 168,000 | 240,000 |
| Net interest income | 173,000 | 342,000 | 516,000 | 695,000 |
| Noninterest income | 61,000 | 134,000 | 193,000 | 250,000 |
| Noninterest expense | 167,000 | 346,000 | 540,000 | 741,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 64,000 | 120,000 | 157,000 | 162,000 |
| Income tax | 22,000 | 41,000 | 53,000 | 61,000 |
| Net income | 42,000 | 79,000 | 104,000 | 101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,138,000 | 2,219,000 | 2,020,000 | 2,138,000 |
| Total capital | 2,230,000 | 2,308,000 | 2,109,000 | 2,233,000 |
| Risk-weighted assets | 10,046,000 | 10,283,000 | 10,834,000 | 10,550,000 |