Call reports 2005
TERRABANK, NATIONAL ASSOCIATION — 2005
What TERRABANK, NATIONAL ASSOCIATION 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 | 361,793,000 | 378,502,000 | 372,174,000 | 357,871,000 |
| Total loans | 223,131,000 | 235,637,000 | 231,922,000 | 224,977,000 |
| Allowance for loan losses | 2,956,000 | 2,941,000 | 2,621,000 | 4,130,000 |
| Securities available for sale | 82,717,000 | 111,800,000 | 108,366,000 | 102,681,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,658,000 | 346,707,000 | 340,173,000 | 325,504,000 |
| Interest-bearing deposits | 276,576,000 | 283,651,000 | 272,268,000 | 258,451,000 |
| Noninterest-bearing deposits | 53,082,000 | 63,056,000 | 67,905,000 | 67,053,000 |
| Equity capital | 28,642,000 | 29,734,000 | 29,207,000 | 29,029,000 |
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 | 4,761,000 | 9,710,000 | 15,168,000 | 20,582,000 |
| Interest expense | 1,606,000 | 3,435,000 | 5,562,000 | 7,838,000 |
| Net interest income | 3,155,000 | 6,275,000 | 9,606,000 | 12,744,000 |
| Noninterest income | 625,000 | 1,168,000 | 1,711,000 | 2,158,000 |
| Noninterest expense | 2,398,000 | 4,714,000 | 7,276,000 | 9,840,000 |
| Provision for loan losses | 0 | -14,000 | 1,144,000 | 2,625,000 |
| Pretax income | 1,382,000 | 2,743,000 | 2,897,000 | 2,437,000 |
| Income tax | 516,000 | 1,098,000 | 1,607,000 | 970,000 |
| Net income | 866,000 | 1,645,000 | 1,290,000 | 1,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,278,000 | 30,057,000 | 29,701,000 | 29,879,000 |
| Total capital | 32,152,000 | 32,998,000 | 32,486,000 | 32,742,000 |
| Risk-weighted assets | 229,831,000 | 237,687,000 | 235,368,000 | 227,752,000 |