Call reports 2005
ARCOLA HOMESTEAD SAVINGS BANK — 2005
What ARCOLA HOMESTEAD SAVINGS 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 | 4,705,000 | 5,323,000 | 4,396,000 | 6,362,000 |
| Total loans | 1,525,000 | 1,375,000 | 1,443,000 | 1,452,000 |
| Allowance for loan losses | 22,000 | 22,000 | 22,000 | 22,000 |
| Securities available for sale | 2,238,000 | 1,485,000 | 1,476,000 | 1,223,000 |
| Securities held to maturity | 0 | 749,000 | 697,000 | 887,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,633,000 | 4,288,000 | 3,427,000 | 3,599,000 |
| Interest-bearing deposits | 3,633,000 | 4,258,000 | 3,370,000 | 3,537,000 |
| Noninterest-bearing deposits | 0 | 30,000 | 57,000 | 62,000 |
| Equity capital | 1,045,000 | 1,015,000 | 946,000 | 2,747,000 |
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 | 49,000 | 94,000 | 142,000 | 193,000 |
| Interest expense | 18,000 | 39,000 | 59,000 | 79,000 |
| Net interest income | 31,000 | 55,000 | 83,000 | 114,000 |
| Noninterest income | 1,000 | 3,000 | 4,000 | 7,000 |
| Noninterest expense | 70,000 | 132,000 | 223,000 | 334,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -36,000 | -74,000 | -136,000 | -213,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -36,000 | -74,000 | -136,000 | -213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,078,000 | 1,024,000 | 961,000 | 2,768,000 |
| Total capital | 1,100,000 | 1,046,000 | 983,000 | 2,790,000 |
| Risk-weighted assets | 1,845,000 | 2,647,000 | 1,757,000 | 3,678,000 |