Call reports 2005
ADVANTAGE BANK — 2005
What ADVANTAGE 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 | 41,718,000 | 41,786,000 | 42,377,000 | 42,980,000 |
| Total loans | 27,617,000 | 29,349,000 | 30,423,000 | 31,399,000 |
| Allowance for loan losses | 446,000 | 452,000 | 426,000 | 390,000 |
| Securities available for sale | 8,921,000 | 7,977,000 | 6,962,000 | 6,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,821,000 | 37,539,000 | 38,171,000 | 38,812,000 |
| Interest-bearing deposits | 26,993,000 | 27,036,000 | 26,491,000 | 27,639,000 |
| Noninterest-bearing deposits | 10,828,000 | 10,503,000 | 11,680,000 | 11,173,000 |
| Equity capital | 3,860,000 | 4,013,000 | 4,148,000 | 4,117,000 |
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 | 668,000 | 1,374,000 | 2,106,000 | 2,856,000 |
| Interest expense | 97,000 | 206,000 | 337,000 | 483,000 |
| Net interest income | 571,000 | 1,168,000 | 1,769,000 | 2,373,000 |
| Noninterest income | 292,000 | 566,000 | 821,000 | 1,074,000 |
| Noninterest expense | 644,000 | 1,376,000 | 1,982,000 | 2,703,000 |
| Provision for loan losses | 90,000 | 103,000 | 118,000 | 149,000 |
| Pretax income | 131,000 | 250,000 | 490,000 | 574,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 131,000 | 250,000 | 490,000 | 574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,939,000 | 3,999,000 | 4,182,000 | 4,209,000 |
| Total capital | 4,312,000 | 4,388,000 | 4,580,000 | 4,599,000 |
| Risk-weighted assets | 29,780,000 | 31,093,000 | 31,807,000 | 32,749,000 |