Call reports 2005
TRI-COUNTY BANK — 2005
What TRI-COUNTY 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 | 176,262,000 | 174,065,000 | 175,720,000 | 181,200,000 |
| Total loans | 122,647,000 | 129,122,000 | 134,440,000 | 136,247,000 |
| Allowance for loan losses | 1,424,000 | 1,523,000 | 1,556,000 | 1,596,000 |
| Securities available for sale | 32,453,000 | 26,018,000 | 23,714,000 | 22,372,000 |
| Securities held to maturity | 5,308,000 | 5,124,000 | 5,618,000 | 6,153,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,325,000 | 151,559,000 | 149,309,000 | 153,450,000 |
| Interest-bearing deposits | 125,183,000 | 120,916,000 | 118,565,000 | 123,023,000 |
| Noninterest-bearing deposits | 29,142,000 | 30,643,000 | 30,744,000 | 30,427,000 |
| Equity capital | 17,553,000 | 17,677,000 | 18,120,000 | 18,273,000 |
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 | 2,341,000 | 4,852,000 | 7,450,000 | 10,161,000 |
| Interest expense | 694,000 | 1,448,000 | 2,312,000 | 3,291,000 |
| Net interest income | 1,647,000 | 3,404,000 | 5,138,000 | 6,870,000 |
| Noninterest income | 403,000 | 787,000 | 1,214,000 | 1,615,000 |
| Noninterest expense | 1,367,000 | 2,741,000 | 4,243,000 | 5,616,000 |
| Provision for loan losses | 20,000 | 142,000 | 172,000 | 257,000 |
| Pretax income | 655,000 | 1,246,000 | 1,875,000 | 2,550,000 |
| Income tax | 168,000 | 333,000 | 520,000 | 705,000 |
| Net income | 487,000 | 913,000 | 1,355,000 | 1,845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,076,000 | 17,088,000 | 17,532,000 | 17,817,000 |
| Total capital | 18,500,000 | 18,611,000 | 19,088,000 | 19,413,000 |
| Risk-weighted assets | 126,653,000 | 130,766,000 | 136,814,000 | 139,036,000 |