Call reports 2005
BOM BANK — 2005
What BOM 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 | 77,032,000 | 78,491,000 | 79,923,000 | 82,241,000 |
| Total loans | 51,144,000 | 53,148,000 | 53,948,000 | 54,448,000 |
| Allowance for loan losses | 709,000 | 671,000 | 640,000 | 585,000 |
| Securities available for sale | 16,337,000 | 15,926,000 | 14,400,000 | 13,731,000 |
| Securities held to maturity | 1,301,000 | 1,333,000 | 1,304,000 | 1,279,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,407,000 | 59,260,000 | 60,892,000 | 63,628,000 |
| Interest-bearing deposits | 50,628,000 | 51,247,000 | 52,286,000 | 54,305,000 |
| Noninterest-bearing deposits | 7,780,000 | 8,013,000 | 8,606,000 | 9,323,000 |
| Equity capital | 6,124,000 | 6,711,000 | 6,596,000 | 6,407,000 |
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 | 1,235,000 | 2,549,000 | 3,905,000 | 5,227,000 |
| Interest expense | 410,000 | 856,000 | 1,334,000 | 1,825,000 |
| Net interest income | 825,000 | 1,693,000 | 2,571,000 | 3,402,000 |
| Noninterest income | 211,000 | 376,000 | 554,000 | 804,000 |
| Noninterest expense | 707,000 | 1,401,000 | 2,107,000 | 3,036,000 |
| Provision for loan losses | 24,000 | 29,000 | 53,000 | 86,000 |
| Pretax income | 325,000 | 670,000 | 997,000 | 1,116,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 325,000 | 670,000 | 997,000 | 1,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,827,000 | 6,943,000 | 7,019,000 | 6,972,000 |
| Total capital | 7,449,000 | 7,563,000 | 7,659,000 | 7,557,000 |
| Risk-weighted assets | 49,688,000 | 49,515,000 | 50,412,000 | 50,147,000 |