Call reports 2005
BANK OF SAINT ELIZABETH — 2005
What BANK OF SAINT ELIZABETH 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 | 49,608,000 | 48,736,000 | 49,114,000 | 51,060,000 |
| Total loans | 38,632,000 | 39,731,000 | 40,728,000 | 43,048,000 |
| Allowance for loan losses | 450,000 | 450,000 | 450,000 | 450,000 |
| Securities available for sale | 6,064,000 | 6,059,000 | 5,901,000 | 5,576,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,367,000 | 38,763,000 | 37,798,000 | 38,820,000 |
| Interest-bearing deposits | 32,990,000 | 33,545,000 | 32,923,000 | 32,856,000 |
| Noninterest-bearing deposits | 5,377,000 | 5,218,000 | 4,875,000 | 5,964,000 |
| Equity capital | 5,702,000 | 5,887,000 | 6,254,000 | 5,494,000 |
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 | 776,000 | 1,582,000 | 2,420,000 | 3,269,000 |
| Interest expense | 256,000 | 519,000 | 786,000 | 1,072,000 |
| Net interest income | 520,000 | 1,063,000 | 1,634,000 | 2,197,000 |
| Noninterest income | 64,000 | 122,000 | 322,000 | 377,000 |
| Noninterest expense | 280,000 | 582,000 | 883,000 | 1,222,000 |
| Provision for loan losses | 10,000 | 9,000 | 15,000 | 29,000 |
| Pretax income | 267,000 | 552,000 | 995,000 | 1,235,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 267,000 | 552,000 | 995,000 | 1,235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,785,000 | 5,970,000 | 6,303,000 | 5,543,000 |
| Total capital | 6,203,000 | 6,403,000 | 6,747,000 | 5,993,000 |
| Risk-weighted assets | 33,408,000 | 34,643,000 | 35,478,000 | 37,285,000 |