Call reports 2005
ARTISANS' BANK — 2005
What ARTISANS' 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 | 541,119,000 | 556,380,000 | 572,936,000 | 563,739,000 |
| Total loans | 419,625,000 | 417,871,000 | 428,608,000 | 430,686,000 |
| Allowance for loan losses | 5,474,000 | 5,283,000 | 5,320,000 | 5,406,000 |
| Securities available for sale | 69,514,000 | 80,847,000 | 82,201,000 | 85,769,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 449,928,000 | 463,401,000 | 478,080,000 | 483,362,000 |
| Interest-bearing deposits | 388,199,000 | 399,497,000 | 411,605,000 | 418,800,000 |
| Noninterest-bearing deposits | 61,729,000 | 63,904,000 | 66,475,000 | 64,562,000 |
| Equity capital | 46,444,000 | 47,897,000 | 48,669,000 | 48,764,000 |
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 | 7,096,000 | 14,820,000 | 23,115,000 | 31,756,000 |
| Interest expense | 2,281,000 | 4,819,000 | 7,673,000 | 10,911,000 |
| Net interest income | 4,815,000 | 10,001,000 | 15,442,000 | 20,845,000 |
| Noninterest income | 445,000 | 916,000 | 1,512,000 | 2,005,000 |
| Noninterest expense | 4,104,000 | 8,275,000 | 12,239,000 | 15,973,000 |
| Provision for loan losses | 396,000 | 690,000 | 740,000 | 859,000 |
| Pretax income | 760,000 | 1,956,000 | 3,979,000 | 6,106,000 |
| Income tax | 216,000 | 599,000 | 1,239,000 | 2,241,000 |
| Net income | 544,000 | 1,357,000 | 2,740,000 | 3,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,737,000 | 47,550,000 | 48,933,000 | 49,433,000 |
| Total capital | 52,211,000 | 52,833,000 | 54,253,000 | 54,839,000 |
| Risk-weighted assets | 509,105,000 | 506,168,000 | 524,184,000 | 525,824,000 |