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 | 1,047,646,000 | 1,078,634,000 | 1,031,820,000 | 1,035,815,000 |
| Total loans | 815,256,000 | 785,205,000 | 786,019,000 | 804,109,000 |
| Allowance for loan losses | 9,247,000 | 8,906,000 | 9,131,000 | 9,168,000 |
| Securities available for sale | 191,144,000 | 195,255,000 | 187,285,000 | 184,614,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 596,395,000 | 597,902,000 | 616,175,000 | 616,393,000 |
| Interest-bearing deposits | 590,491,000 | 592,751,000 | 602,421,000 | 605,941,000 |
| Noninterest-bearing deposits | 5,904,000 | 5,151,000 | 13,754,000 | 10,452,000 |
| Equity capital | 86,089,000 | 84,586,000 | 84,506,000 | 81,343,000 |
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 | 15,584,000 | 32,797,000 | 50,982,000 | 68,112,000 |
| Interest expense | 6,601,000 | 13,825,000 | 21,285,000 | 29,455,000 |
| Net interest income | 8,983,000 | 18,972,000 | 29,697,000 | 38,657,000 |
| Noninterest income | 836,000 | 1,783,000 | 1,995,000 | 2,196,000 |
| Noninterest expense | 5,961,000 | 13,086,000 | 19,887,000 | 25,354,000 |
| Provision for loan losses | 110,000 | -209,000 | 16,000 | 54,000 |
| Pretax income | 4,216,000 | 9,185,000 | 13,105,000 | 16,854,000 |
| Income tax | 155,000 | 328,000 | 466,000 | 599,000 |
| Net income | 4,061,000 | 8,857,000 | 12,639,000 | 16,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,710,000 | 80,678,000 | 82,129,000 | 80,418,000 |
| Total capital | 91,425,000 | 90,184,000 | 91,575,000 | 89,839,000 |
| Risk-weighted assets | 787,909,000 | 789,767,000 | 755,378,000 | 753,318,000 |