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 | 1,056,005,000 | 1,060,281,000 | 1,068,612,000 | 1,063,567,000 |
| Total loans | 842,260,000 | 845,302,000 | 855,995,000 | 849,439,000 |
| Allowance for loan losses | 6,636,000 | 6,540,000 | 6,642,000 | 6,959,000 |
| Securities available for sale | 103,728,000 | 108,203,000 | 108,298,000 | 109,329,000 |
| Securities held to maturity | 5,101,000 | 4,849,000 | 4,604,000 | 4,175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 678,337,000 | 672,084,000 | 673,533,000 | 664,845,000 |
| Interest-bearing deposits | 650,255,000 | 643,220,000 | 661,463,000 | 650,300,000 |
| Noninterest-bearing deposits | 28,082,000 | 28,864,000 | 12,070,000 | 14,545,000 |
| Equity capital | 80,349,000 | 81,166,000 | 81,065,000 | 81,792,000 |
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 | 13,565,000 | 27,526,000 | 42,047,000 | 57,036,000 |
| Interest expense | 6,138,000 | 12,570,000 | 19,472,000 | 26,531,000 |
| Net interest income | 7,427,000 | 14,956,000 | 22,575,000 | 30,505,000 |
| Noninterest income | 1,421,000 | 2,766,000 | 3,839,000 | 5,387,000 |
| Noninterest expense | 5,115,000 | 10,453,000 | 15,703,000 | 20,894,000 |
| Provision for loan losses | 240,000 | 600,000 | 960,000 | 1,480,000 |
| Pretax income | 3,493,000 | 6,669,000 | 9,751,000 | 13,518,000 |
| Income tax | 1,132,000 | 2,153,000 | 3,148,000 | 4,373,000 |
| Net income | 2,361,000 | 4,516,000 | 6,603,000 | 9,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,306,000 | 74,465,000 | 75,079,000 | 76,093,000 |
| Total capital | 80,942,000 | 81,005,000 | 81,721,000 | 83,052,000 |
| Risk-weighted assets | 716,914,000 | 724,102,000 | 734,068,000 | 741,008,000 |