Call reports 2005
FOUNDATION BANK — 2005
What FOUNDATION 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 | 85,546,000 | 84,000,000 | 83,916,000 | 79,434,000 |
| Total loans | 41,646,000 | 41,042,000 | 42,834,000 | 41,973,000 |
| Allowance for loan losses | 3,177,000 | 3,164,000 | 1,325,000 | 1,329,000 |
| Securities available for sale | 7,325,000 | 7,235,000 | 7,025,000 | 15,368,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,425,000 | 72,448,000 | 74,321,000 | 69,756,000 |
| Interest-bearing deposits | 60,977,000 | 59,489,000 | 61,618,000 | 56,523,000 |
| Noninterest-bearing deposits | 13,448,000 | 12,958,000 | 12,703,000 | 13,233,000 |
| Equity capital | 10,491,000 | 10,934,000 | 8,926,000 | 9,205,000 |
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 | 1,301,000 | 2,642,000 | 4,020,000 | 5,462,000 |
| Interest expense | 222,000 | 473,000 | 767,000 | 1,117,000 |
| Net interest income | 1,079,000 | 2,169,000 | 3,253,000 | 4,345,000 |
| Noninterest income | 325,000 | 858,000 | 1,281,000 | 1,674,000 |
| Noninterest expense | 848,000 | 1,738,000 | 2,631,000 | 3,629,000 |
| Provision for loan losses | 20,000 | 26,000 | 28,000 | 63,000 |
| Pretax income | 536,000 | 1,263,000 | 1,875,000 | 2,327,000 |
| Income tax | 133,000 | 399,000 | 618,000 | 752,000 |
| Net income | 403,000 | 864,000 | 1,257,000 | 1,575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,342,000 | 10,803,000 | 8,816,000 | 9,133,000 |
| Total capital | 10,890,000 | 11,345,000 | 9,366,000 | 9,648,000 |
| Risk-weighted assets | 41,237,000 | 40,753,000 | 43,206,000 | 40,382,000 |