Call reports 2005
BANK OF ADVANCE, THE — 2005
What BANK OF ADVANCE, 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 | 172,795,000 | 172,479,000 | 176,194,000 | 182,130,000 |
| Total loans | 113,443,000 | 116,108,000 | 119,922,000 | 123,345,000 |
| Allowance for loan losses | 1,732,000 | 1,816,000 | 1,776,000 | 1,793,000 |
| Securities available for sale | 46,181,000 | 46,991,000 | 45,998,000 | 45,662,000 |
| Securities held to maturity | 155,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,925,000 | 138,396,000 | 138,665,000 | 146,654,000 |
| Interest-bearing deposits | 119,544,000 | 117,624,000 | 117,263,000 | 120,820,000 |
| Noninterest-bearing deposits | 21,381,000 | 20,772,000 | 21,402,000 | 25,834,000 |
| Equity capital | 23,594,000 | 24,753,000 | 25,214,000 | 24,303,000 |
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 | 2,529,000 | 5,129,000 | 7,822,000 | 10,720,000 |
| Interest expense | 676,000 | 1,402,000 | 2,200,000 | 3,072,000 |
| Net interest income | 1,853,000 | 3,727,000 | 5,622,000 | 7,648,000 |
| Noninterest income | 256,000 | 555,000 | 870,000 | 1,119,000 |
| Noninterest expense | 1,278,000 | 2,520,000 | 3,769,000 | 4,981,000 |
| Provision for loan losses | 60,000 | 150,000 | 240,000 | 300,000 |
| Pretax income | 767,000 | 1,589,000 | 2,460,000 | 3,463,000 |
| Income tax | 275,000 | 285,000 | 295,000 | 384,000 |
| Net income | 492,000 | 1,304,000 | 2,165,000 | 3,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,625,000 | 24,437,000 | 25,298,000 | 24,712,000 |
| Total capital | 25,203,000 | 25,979,000 | 26,886,000 | 26,347,000 |
| Risk-weighted assets | 126,091,000 | 123,077,000 | 127,924,000 | 130,743,000 |