Call reports 2005
ROSELLE BANK — 2005
What ROSELLE 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 | 403,232,000 | 407,968,000 | 403,040,000 | 401,962,000 |
| Total loans | 60,237,000 | 66,652,000 | 71,392,000 | 70,679,000 |
| Allowance for loan losses | 422,000 | 422,000 | 434,000 | 446,000 |
| Securities available for sale | 27,069,000 | 28,180,000 | 30,749,000 | 30,913,000 |
| Securities held to maturity | 294,093,000 | 284,267,000 | 277,709,000 | 269,833,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 319,349,000 | 323,142,000 | 317,670,000 | 315,965,000 |
| Interest-bearing deposits | 317,983,000 | 321,488,000 | 316,047,000 | 313,993,000 |
| Noninterest-bearing deposits | 1,366,000 | 1,654,000 | 1,623,000 | 1,972,000 |
| Equity capital | 56,466,000 | 57,304,000 | 57,700,000 | 58,403,000 |
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 | 4,177,000 | 8,369,000 | 12,646,000 | 16,919,000 |
| Interest expense | 1,990,000 | 4,158,000 | 6,524,000 | 8,971,000 |
| Net interest income | 2,187,000 | 4,211,000 | 6,122,000 | 7,948,000 |
| Noninterest income | 94,000 | 194,000 | 292,000 | 389,000 |
| Noninterest expense | 1,236,000 | 2,433,000 | 3,692,000 | 4,945,000 |
| Provision for loan losses | 0 | 0 | 12,000 | 24,000 |
| Pretax income | 1,045,000 | 1,983,000 | 2,721,000 | 3,379,000 |
| Income tax | 212,000 | 378,000 | 462,000 | 515,000 |
| Net income | 833,000 | 1,605,000 | 2,259,000 | 2,864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,569,000 | 57,349,000 | 57,847,000 | 58,561,000 |
| Total capital | 56,991,000 | 57,771,000 | 58,281,000 | 59,007,000 |
| Risk-weighted assets | 97,054,000 | 100,596,000 | 101,862,000 | 102,359,000 |