Call reports 2005
ANDERSON BANK — 2005
What ANDERSON 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 | 64,605,000 | 63,653,000 | 67,499,000 | 67,195,000 |
| Total loans | 59,428,000 | 58,970,000 | 59,990,000 | 57,614,000 |
| Allowance for loan losses | 489,000 | 503,000 | 521,000 | 536,000 |
| Securities available for sale | 491,000 | 495,000 | 494,000 | 494,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,326,000 | 55,263,000 | 59,874,000 | 60,357,000 |
| Interest-bearing deposits | 50,406,000 | 49,994,000 | 52,253,000 | 53,904,000 |
| Noninterest-bearing deposits | 4,920,000 | 5,269,000 | 7,621,000 | 6,453,000 |
| Equity capital | 6,025,000 | 6,189,000 | 6,363,000 | 6,576,000 |
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 | 928,000 | 1,893,000 | 2,934,000 | 4,049,000 |
| Interest expense | 324,000 | 674,000 | 1,055,000 | 1,463,000 |
| Net interest income | 604,000 | 1,219,000 | 1,879,000 | 2,586,000 |
| Noninterest income | 52,000 | 111,000 | 162,000 | 273,000 |
| Noninterest expense | 403,000 | 818,000 | 1,246,000 | 1,726,000 |
| Provision for loan losses | 16,000 | 30,000 | 48,000 | 65,000 |
| Pretax income | 237,000 | 482,000 | 747,000 | 1,068,000 |
| Income tax | 81,000 | 164,000 | 254,000 | 363,000 |
| Net income | 156,000 | 318,000 | 493,000 | 705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,672,000 | 5,840,000 | 6,016,000 | 6,237,000 |
| Total capital | 6,161,000 | 6,343,000 | 6,537,000 | 6,773,000 |
| Risk-weighted assets | 59,180,000 | 58,993,000 | 60,514,000 | 59,863,000 |