Call reports 2005
NEIGHBORHOOD NATIONAL BANK — 2005
What NEIGHBORHOOD NATIONAL 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 | 39,428,000 | 41,157,000 | 41,003,000 | 43,143,000 |
| Total loans | 29,858,000 | 30,776,000 | 33,068,000 | 32,119,000 |
| Allowance for loan losses | 379,000 | 345,000 | 354,000 | 381,000 |
| Securities available for sale | 6,144,000 | 5,008,000 | 5,614,000 | 6,738,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,767,000 | 32,932,000 | 34,190,000 | 36,784,000 |
| Interest-bearing deposits | 27,608,000 | 27,842,000 | 29,876,000 | 31,333,000 |
| Noninterest-bearing deposits | 3,159,000 | 5,090,000 | 4,314,000 | 5,451,000 |
| Equity capital | 3,512,000 | 3,556,000 | 3,519,000 | 3,543,000 |
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 | 594,000 | 1,200,000 | 1,863,000 | 2,588,000 |
| Interest expense | 228,000 | 462,000 | 715,000 | 1,007,000 |
| Net interest income | 366,000 | 738,000 | 1,148,000 | 1,581,000 |
| Noninterest income | 21,000 | 46,000 | 40,000 | 73,000 |
| Noninterest expense | 368,000 | 764,000 | 1,163,000 | 1,549,000 |
| Provision for loan losses | 30,000 | 45,000 | 55,000 | 80,000 |
| Pretax income | -11,000 | -26,000 | -31,000 | 24,000 |
| Income tax | 0 | 0 | 2,000 | 2,000 |
| Net income | -11,000 | -26,000 | -33,000 | 22,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,647,000 | 3,632,000 | 3,626,000 | 3,680,000 |
| Total capital | 4,026,000 | 3,977,000 | 3,980,000 | 4,061,000 |
| Risk-weighted assets | 30,835,000 | 32,528,000 | 34,478,000 | 34,154,000 |