Call reports 2005
FIRST SOUND BANK — 2005
What FIRST SOUND 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 | 55,827,000 | 58,051,000 | 71,120,000 | 89,495,000 |
| Total loans | 27,916,000 | 32,966,000 | 48,904,000 | 62,280,000 |
| Allowance for loan losses | 465,000 | 578,000 | 677,000 | 766,000 |
| Securities available for sale | 5,100,000 | 5,013,000 | 4,785,000 | 4,627,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,974,000 | 39,779,000 | 51,398,000 | 69,805,000 |
| Interest-bearing deposits | 33,392,000 | 33,431,000 | 42,991,000 | 57,882,000 |
| Noninterest-bearing deposits | 4,582,000 | 6,348,000 | 8,407,000 | 11,923,000 |
| Equity capital | 17,634,000 | 17,233,000 | 16,925,000 | 16,800,000 |
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 | 575,000 | 1,293,000 | 2,189,000 | 3,420,000 |
| Interest expense | 197,000 | 452,000 | 763,000 | 1,237,000 |
| Net interest income | 378,000 | 841,000 | 1,426,000 | 2,183,000 |
| Noninterest income | 7,000 | 20,000 | 31,000 | 45,000 |
| Noninterest expense | 785,000 | 1,581,000 | 2,352,000 | 3,136,000 |
| Provision for loan losses | 175,000 | 288,000 | 387,000 | 476,000 |
| Pretax income | -575,000 | -1,008,000 | -1,282,000 | -1,384,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -575,000 | -1,008,000 | -1,282,000 | -1,384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,679,000 | 17,246,000 | 16,973,000 | 16,869,000 |
| Total capital | 18,132,000 | 17,769,000 | 17,650,000 | 17,635,000 |
| Risk-weighted assets | 36,262,000 | 41,780,000 | 57,639,000 | 76,863,000 |
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