Call reports 2005
TOWN BANK, NATIONAL ASSOCIATION — 2005
What TOWN BANK, NATIONAL ASSOCIATION 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 | 314,894,000 | 361,568,000 | 373,525,000 | 396,397,000 |
| Total loans | 253,316,000 | 275,650,000 | 284,267,000 | 284,097,000 |
| Allowance for loan losses | 2,577,000 | 2,574,000 | 2,384,000 | 2,360,000 |
| Securities available for sale | 24,556,000 | 20,370,000 | 49,440,000 | 54,167,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,243,000 | 287,456,000 | 306,069,000 | 333,160,000 |
| Interest-bearing deposits | 224,913,000 | 255,908,000 | 275,723,000 | 304,801,000 |
| Noninterest-bearing deposits | 22,330,000 | 31,548,000 | 30,346,000 | 28,359,000 |
| Equity capital | 50,842,000 | 52,166,000 | 53,211,000 | 52,685,000 |
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 | 4,066,000 | 8,586,000 | 13,691,000 | 19,209,000 |
| Interest expense | 1,316,000 | 3,045,000 | 5,162,000 | 7,735,000 |
| Net interest income | 2,750,000 | 5,541,000 | 8,529,000 | 11,474,000 |
| Noninterest income | 175,000 | 433,000 | 796,000 | 1,035,000 |
| Noninterest expense | 1,446,000 | 2,807,000 | 4,383,000 | 6,264,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,479,000 | 3,199,000 | 4,974,000 | 6,277,000 |
| Income tax | 581,000 | 1,256,000 | 1,938,000 | 2,444,000 |
| Net income | 898,000 | 1,943,000 | 3,036,000 | 3,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,713,000 | 26,830,000 | 28,001,000 | 27,998,000 |
| Total capital | 28,290,000 | 29,404,000 | 30,385,000 | 30,399,000 |
| Risk-weighted assets | 252,451,000 | 280,839,000 | 292,758,000 | 296,459,000 |