Call reports 2005
MAROA FORSYTH COMMUNITY BANK — 2005
What MAROA FORSYTH COMMUNITY 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 | 19,270,000 | 20,451,000 | 22,669,000 | 19,727,000 |
| Total loans | 10,886,000 | 10,782,000 | 10,361,000 | 10,533,000 |
| Allowance for loan losses | 103,000 | 97,000 | 97,000 | 96,000 |
| Securities available for sale | 7,106,000 | 7,583,000 | 7,913,000 | 7,195,000 |
| Securities held to maturity | 13,000 | 11,000 | 9,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,109,000 | 16,149,000 | 18,691,000 | 16,698,000 |
| Interest-bearing deposits | 13,621,000 | 12,704,000 | 13,590,000 | 12,591,000 |
| Noninterest-bearing deposits | 2,488,000 | 3,445,000 | 5,101,000 | 4,106,000 |
| Equity capital | 2,452,000 | 2,458,000 | 2,433,000 | 2,368,000 |
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 | 276,000 | 552,000 | 841,000 | 1,146,000 |
| Interest expense | 43,000 | 91,000 | 140,000 | 205,000 |
| Net interest income | 233,000 | 461,000 | 701,000 | 941,000 |
| Noninterest income | 60,000 | 125,000 | 197,000 | 261,000 |
| Noninterest expense | 237,000 | 479,000 | 739,000 | 1,022,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 20,000 |
| Pretax income | 56,000 | 107,000 | 139,000 | 159,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 55,000 | 106,000 | 138,000 | 158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,335,000 | 2,304,000 | 2,307,000 | 2,315,000 |
| Total capital | 2,438,000 | 2,401,000 | 2,404,000 | 2,411,000 |
| Risk-weighted assets | 11,689,000 | 11,812,000 | 12,345,000 | 11,960,000 |