Call reports 2005
SIMPLYBANK. — 2005
What SIMPLYBANK. 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 | 168,015,000 | 170,056,000 | 168,588,000 | 168,525,000 |
| Total loans | 138,414,000 | 141,559,000 | 139,599,000 | 140,037,000 |
| Allowance for loan losses | 1,425,000 | 1,465,000 | 1,473,000 | 1,514,000 |
| Securities available for sale | 11,178,000 | 10,923,000 | 11,106,000 | 10,977,000 |
| Securities held to maturity | 2,226,000 | 2,025,000 | 1,958,000 | 1,958,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,659,000 | 147,617,000 | 146,397,000 | 143,669,000 |
| Interest-bearing deposits | 123,632,000 | 123,492,000 | 120,592,000 | 118,437,000 |
| Noninterest-bearing deposits | 23,027,000 | 24,125,000 | 25,805,000 | 25,232,000 |
| Equity capital | 14,970,000 | 15,097,000 | 15,391,000 | 15,368,000 |
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 | 2,613,000 | 5,271,000 | 8,178,000 | 11,143,000 |
| Interest expense | 652,000 | 1,460,000 | 2,256,000 | 3,100,000 |
| Net interest income | 1,961,000 | 3,811,000 | 5,922,000 | 8,043,000 |
| Noninterest income | 378,000 | 870,000 | 1,348,000 | 1,784,000 |
| Noninterest expense | 1,687,000 | 3,303,000 | 4,979,000 | 6,734,000 |
| Provision for loan losses | 50,000 | 125,000 | 200,000 | 275,000 |
| Pretax income | 602,000 | 1,253,000 | 2,091,000 | 2,818,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 7,000 |
| Net income | 601,000 | 1,251,000 | 2,087,000 | 2,811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,965,000 | 15,136,000 | 15,472,000 | 15,515,000 |
| Total capital | 16,390,000 | 16,601,000 | 16,945,000 | 17,029,000 |
| Risk-weighted assets | 138,920,000 | 140,668,000 | 139,517,000 | 139,252,000 |