Call reports 2005
OLD HARBOR BANK — 2005
What OLD HARBOR 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 | 95,680,000 | 107,975,000 | 114,874,000 | 117,353,000 |
| Total loans | 66,291,000 | 78,262,000 | 79,948,000 | 87,078,000 |
| Allowance for loan losses | 809,000 | 958,000 | 989,000 | 1,060,000 |
| Securities available for sale | 25,111,000 | 24,417,000 | 23,079,000 | 21,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,329,000 | 88,700,000 | 95,479,000 | 97,938,000 |
| Interest-bearing deposits | 72,772,000 | 80,002,000 | 87,009,000 | 89,840,000 |
| Noninterest-bearing deposits | 7,557,000 | 8,698,000 | 8,470,000 | 8,098,000 |
| Equity capital | 13,862,000 | 14,013,000 | 13,980,000 | 13,916,000 |
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 | 1,156,000 | 2,584,000 | 4,217,000 | 5,982,000 |
| Interest expense | 445,000 | 1,000,000 | 1,674,000 | 2,440,000 |
| Net interest income | 711,000 | 1,584,000 | 2,543,000 | 3,542,000 |
| Noninterest income | 8,000 | 26,000 | 48,000 | 84,000 |
| Noninterest expense | 660,000 | 1,384,000 | 2,250,000 | 3,176,000 |
| Provision for loan losses | 191,000 | 340,000 | 371,000 | 442,000 |
| Pretax income | -130,000 | -112,000 | -28,000 | 10,000 |
| Income tax | -48,000 | -40,000 | -7,000 | 10,000 |
| Net income | -82,000 | -72,000 | -21,000 | 0 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,393,000 | 13,495,000 | 13,529,000 | 13,516,000 |
| Total capital | 14,202,000 | 14,453,000 | 14,518,000 | 14,576,000 |
| Risk-weighted assets | 72,810,000 | 86,990,000 | 88,046,000 | 94,524,000 |