Call reports 2005
COSMOPOLITAN BANK AND TRUST — 2005
What COSMOPOLITAN BANK AND TRUST 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 | 415,674,000 | 412,337,000 | 417,667,000 | 429,869,000 |
| Total loans | 329,825,000 | 320,141,000 | 330,083,000 | 342,027,000 |
| Allowance for loan losses | 3,249,000 | 3,250,000 | 2,992,000 | 2,990,000 |
| Securities available for sale | 53,150,000 | 53,832,000 | 55,589,000 | 55,404,000 |
| Securities held to maturity | 7,971,000 | 10,963,000 | 3,020,000 | 2,891,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 339,723,000 | 345,342,000 | 353,956,000 | 372,500,000 |
| Interest-bearing deposits | 296,724,000 | 303,761,000 | 314,973,000 | 318,662,000 |
| Noninterest-bearing deposits | 42,999,000 | 41,581,000 | 38,983,000 | 53,838,000 |
| Equity capital | 48,334,000 | 50,756,000 | 47,130,000 | 49,270,000 |
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 | 6,420,000 | 13,529,000 | 20,566,000 | 28,266,000 |
| Interest expense | 1,775,000 | 4,002,000 | 6,586,000 | 9,569,000 |
| Net interest income | 4,645,000 | 9,527,000 | 13,980,000 | 18,697,000 |
| Noninterest income | 800,000 | 1,629,000 | 2,448,000 | 3,454,000 |
| Noninterest expense | 2,532,000 | 4,981,000 | 7,210,000 | 9,224,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,913,000 | 6,175,000 | 9,218,000 | 12,927,000 |
| Income tax | 1,115,000 | 2,362,000 | 3,526,000 | 4,949,000 |
| Net income | 1,798,000 | 3,813,000 | 5,692,000 | 7,978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,500,000 | 50,535,000 | 47,436,000 | 49,742,000 |
| Total capital | 51,749,000 | 53,785,000 | 50,428,000 | 52,732,000 |
| Risk-weighted assets | 432,012,000 | 431,808,000 | 441,267,000 | 448,961,000 |