Call reports 2005
AFFINITY BANK — 2005
What AFFINITY 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 | 124,105,000 | 143,098,000 | 154,134,000 | 182,520,000 |
| Total loans | 104,893,000 | 116,085,000 | 123,831,000 | 139,184,000 |
| Allowance for loan losses | 1,411,000 | 1,511,000 | 1,561,000 | 1,743,000 |
| Securities available for sale | 15,614,000 | 17,349,000 | 19,997,000 | 21,465,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,683,000 | 121,919,000 | 131,007,000 | 158,535,000 |
| Interest-bearing deposits | 94,137,000 | 107,581,000 | 117,849,000 | 143,428,000 |
| Noninterest-bearing deposits | 13,546,000 | 14,338,000 | 13,158,000 | 15,107,000 |
| Equity capital | 16,052,000 | 17,912,000 | 18,479,000 | 18,735,000 |
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 | 1,864,000 | 4,021,000 | 6,472,000 | 9,288,000 |
| Interest expense | 605,000 | 1,510,000 | 2,526,000 | 3,716,000 |
| Net interest income | 1,259,000 | 2,511,000 | 3,946,000 | 5,572,000 |
| Noninterest income | 196,000 | 294,000 | 459,000 | 531,000 |
| Noninterest expense | 988,000 | 1,847,000 | 2,771,000 | 3,713,000 |
| Provision for loan losses | 128,000 | 228,000 | 278,000 | 460,000 |
| Pretax income | 339,000 | 732,000 | 1,356,000 | 1,930,000 |
| Income tax | 0 | 0 | 145,000 | 328,000 |
| Net income | 339,000 | 732,000 | 1,211,000 | 1,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,157,000 | 18,041,000 | 18,520,000 | 18,911,000 |
| Total capital | 17,565,000 | 19,552,000 | 20,081,000 | 20,654,000 |
| Risk-weighted assets | 112,609,000 | 127,745,000 | 136,410,000 | 157,955,000 |