Call reports 2005
CAPRA BANK — 2005
What CAPRA 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 | 32,739,000 | 31,111,000 | 30,591,000 | 31,294,000 |
| Total loans | 14,028,000 | 14,786,000 | 15,197,000 | 14,885,000 |
| Allowance for loan losses | 180,000 | 179,000 | 175,000 | 192,000 |
| Securities available for sale | 5,601,000 | 5,909,000 | 5,246,000 | 5,198,000 |
| Securities held to maturity | 8,687,000 | 8,467,000 | 8,455,000 | 8,144,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,086,000 | 27,279,000 | 26,722,000 | 27,628,000 |
| Interest-bearing deposits | 24,380,000 | 23,919,000 | 23,133,000 | 22,762,000 |
| Noninterest-bearing deposits | 4,706,000 | 3,360,000 | 3,589,000 | 4,866,000 |
| Equity capital | 3,342,000 | 3,520,000 | 3,536,000 | 3,394,000 |
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 | 453,000 | 914,000 | 1,396,000 | 1,858,000 |
| Interest expense | 137,000 | 282,000 | 438,000 | 601,000 |
| Net interest income | 316,000 | 632,000 | 958,000 | 1,257,000 |
| Noninterest income | 37,000 | 77,000 | 124,000 | 176,000 |
| Noninterest expense | 243,000 | 458,000 | 680,000 | 1,060,000 |
| Provision for loan losses | 0 | 0 | 0 | 28,000 |
| Pretax income | 110,000 | 251,000 | 385,000 | 327,000 |
| Income tax | 5,000 | 12,000 | 19,000 | 16,000 |
| Net income | 105,000 | 239,000 | 366,000 | 311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,442,000 | 3,518,000 | 3,611,000 | 3,515,000 |
| Total capital | 3,622,000 | 3,697,000 | 3,786,000 | 3,707,000 |
| Risk-weighted assets | 17,924,000 | 18,113,000 | 18,629,000 | 17,283,000 |