Call reports 2005
NORTHERN HANCOCK BANK & TRUST CO. — 2005
What NORTHERN HANCOCK BANK & TRUST CO. 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 | 25,052,000 | 25,198,000 | 24,743,000 | 26,221,000 |
| Total loans | 19,530,000 | 19,346,000 | 20,225,000 | 20,432,000 |
| Allowance for loan losses | 381,000 | 407,000 | 412,000 | 410,000 |
| Securities available for sale | 1,842,000 | 1,772,000 | 1,708,000 | 1,641,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,631,000 | 20,759,000 | 20,303,000 | 21,687,000 |
| Interest-bearing deposits | 17,954,000 | 17,969,000 | 17,159,000 | 18,729,000 |
| Noninterest-bearing deposits | 2,677,000 | 2,790,000 | 3,144,000 | 2,958,000 |
| Equity capital | 2,797,000 | 2,796,000 | 2,796,000 | 2,876,000 |
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 | 503,000 | 1,038,000 | 1,589,000 | 2,211,000 |
| Interest expense | 129,000 | 265,000 | 398,000 | 538,000 |
| Net interest income | 374,000 | 773,000 | 1,191,000 | 1,673,000 |
| Noninterest income | 41,000 | 84,000 | 133,000 | 175,000 |
| Noninterest expense | 283,000 | 612,000 | 953,000 | 1,292,000 |
| Provision for loan losses | 0 | 19,000 | 34,000 | 49,000 |
| Pretax income | 132,000 | 226,000 | 337,000 | 507,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 132,000 | 226,000 | 337,000 | 507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,840,000 | 2,829,000 | 2,832,000 | 2,922,000 |
| Total capital | 3,077,000 | 3,061,000 | 3,070,000 | 3,169,000 |
| Risk-weighted assets | 18,809,000 | 18,364,000 | 18,867,000 | 19,615,000 |