Call reports 2005
ARMOR BANK — 2005
What ARMOR 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 | 64,422,000 | 62,756,000 | 56,890,000 | 57,288,000 |
| Total loans | 28,909,000 | 27,031,000 | 25,732,000 | 25,526,000 |
| Allowance for loan losses | 1,202,000 | 1,001,000 | 932,000 | 914,000 |
| Securities available for sale | 27,719,000 | 26,779,000 | 23,455,000 | 21,862,000 |
| Securities held to maturity | 2,770,000 | 2,715,000 | 2,293,000 | 2,241,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,509,000 | 50,156,000 | 44,883,000 | 45,768,000 |
| Interest-bearing deposits | 48,370,000 | 47,200,000 | 42,102,000 | 43,022,000 |
| Noninterest-bearing deposits | 3,139,000 | 2,956,000 | 2,781,000 | 2,746,000 |
| Equity capital | 6,145,000 | 6,188,000 | 5,973,000 | 5,851,000 |
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 | 774,000 | 1,530,000 | 2,272,000 | 3,001,000 |
| Interest expense | 353,000 | 708,000 | 1,060,000 | 1,406,000 |
| Net interest income | 421,000 | 822,000 | 1,212,000 | 1,595,000 |
| Noninterest income | 55,000 | 183,000 | 220,000 | 241,000 |
| Noninterest expense | 489,000 | 960,000 | 1,443,000 | 1,878,000 |
| Provision for loan losses | 0 | 155,000 | 346,000 | 376,000 |
| Pretax income | -21,000 | -137,000 | -383,000 | -445,000 |
| Income tax | -16,000 | -68,000 | -170,000 | -199,000 |
| Net income | -5,000 | -69,000 | -213,000 | -246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,390,000 | 6,344,000 | 6,198,000 | 6,166,000 |
| Total capital | 6,803,000 | 6,730,000 | 6,547,000 | 6,517,000 |
| Risk-weighted assets | 32,268,000 | 30,368,000 | 27,323,000 | 27,484,000 |