Call reports 2005
BUSINESS BANK, THE — 2005
What BUSINESS BANK, THE 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 | 166,355,000 | 178,277,000 | 181,294,000 | 191,531,000 |
| Total loans | 153,623,000 | 159,090,000 | 164,842,000 | 171,538,000 |
| Allowance for loan losses | 1,793,000 | 1,918,000 | 1,910,000 | 1,781,000 |
| Securities available for sale | 6,510,000 | 8,129,000 | 7,504,000 | 6,893,000 |
| Securities held to maturity | 3,389,000 | 4,299,000 | 4,302,000 | 4,305,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,444,000 | 160,943,000 | 163,453,000 | 167,686,000 |
| Interest-bearing deposits | 134,946,000 | 146,055,000 | 146,346,000 | 153,368,000 |
| Noninterest-bearing deposits | 14,498,000 | 14,888,000 | 17,107,000 | 14,318,000 |
| Equity capital | 14,870,000 | 15,482,000 | 15,895,000 | 15,991,000 |
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 | 2,297,000 | 4,881,000 | 7,651,000 | 10,637,000 |
| Interest expense | 944,000 | 2,027,000 | 3,282,000 | 4,733,000 |
| Net interest income | 1,353,000 | 2,854,000 | 4,369,000 | 5,904,000 |
| Noninterest income | 49,000 | 95,000 | 133,000 | 171,000 |
| Noninterest expense | 554,000 | 1,143,000 | 1,695,000 | 2,306,000 |
| Provision for loan losses | 100,000 | 226,000 | 408,000 | 1,067,000 |
| Pretax income | 748,000 | 1,580,000 | 2,399,000 | 2,702,000 |
| Income tax | 299,000 | 627,000 | 953,000 | 1,057,000 |
| Net income | 449,000 | 953,000 | 1,446,000 | 1,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,795,000 | 15,383,000 | 15,810,000 | 15,941,000 |
| Total capital | 16,588,000 | 17,301,000 | 17,720,000 | 17,722,000 |
| Risk-weighted assets | 155,370,000 | 164,418,000 | 170,463,000 | 176,950,000 |