Call reports 2005
AUBURNBANK — 2005
What AUBURNBANK 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 | 595,662,000 | 600,918,000 | 618,713,000 | 606,270,000 |
| Total loans | 269,208,000 | 279,089,000 | 284,272,000 | 283,459,000 |
| Allowance for loan losses | 3,725,000 | 3,768,000 | 3,813,000 | 3,844,000 |
| Securities available for sale | 281,612,000 | 277,410,000 | 277,507,000 | 274,327,000 |
| Securities held to maturity | 778,000 | 728,000 | 667,000 | 633,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,859,000 | 447,849,000 | 464,061,000 | 455,728,000 |
| Interest-bearing deposits | 377,222,000 | 375,707,000 | 385,357,000 | 383,936,000 |
| Noninterest-bearing deposits | 67,637,000 | 72,142,000 | 78,704,000 | 71,792,000 |
| Equity capital | 47,645,000 | 49,906,000 | 50,047,000 | 49,006,000 |
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 | 7,116,000 | 14,507,000 | 22,254,000 | 30,294,000 |
| Interest expense | 3,271,000 | 6,867,000 | 10,761,000 | 14,901,000 |
| Net interest income | 3,845,000 | 7,640,000 | 11,493,000 | 15,393,000 |
| Noninterest income | 1,620,000 | 3,159,000 | 4,867,000 | 5,855,000 |
| Noninterest expense | 3,184,000 | 6,150,000 | 9,257,000 | 11,619,000 |
| Provision for loan losses | 150,000 | 300,000 | 420,000 | 485,000 |
| Pretax income | 2,144,000 | 4,356,000 | 6,694,000 | 9,155,000 |
| Income tax | 512,000 | 1,093,000 | 1,722,000 | 2,391,000 |
| Net income | 1,632,000 | 3,263,000 | 4,972,000 | 6,764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,420,000 | 51,391,000 | 51,887,000 | 53,003,000 |
| Total capital | 54,145,000 | 55,159,000 | 55,699,000 | 56,846,000 |
| Risk-weighted assets | 332,839,000 | 340,004,000 | 344,046,000 | 348,158,000 |