Call reports 2005
BUSINESS BANK, THE — 2005
What BUSINESS BANK, THE 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 | 180,245,000 | 194,667,000 | 187,116,000 | 203,253,000 |
| Total loans | 134,283,000 | 142,089,000 | 151,852,000 | 153,741,000 |
| Allowance for loan losses | 1,926,000 | 2,077,000 | 2,208,000 | 2,267,000 |
| Securities available for sale | 26,356,000 | 32,213,000 | 22,548,000 | 32,139,000 |
| Securities held to maturity | 2,999,000 | 2,999,000 | 2,999,000 | 1,999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,780,000 | 174,621,000 | 163,921,000 | 182,135,000 |
| Interest-bearing deposits | 113,499,000 | 117,846,000 | 114,665,000 | 130,507,000 |
| Noninterest-bearing deposits | 46,281,000 | 56,775,000 | 49,256,000 | 51,628,000 |
| Equity capital | 16,005,000 | 16,423,000 | 16,846,000 | 17,545,000 |
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 | 2,358,000 | 5,042,000 | 7,929,000 | 10,989,000 |
| Interest expense | 584,000 | 1,284,000 | 2,013,000 | 2,888,000 |
| Net interest income | 1,774,000 | 3,758,000 | 5,916,000 | 8,101,000 |
| Noninterest income | 153,000 | 301,000 | 516,000 | 723,000 |
| Noninterest expense | 1,463,000 | 2,943,000 | 4,492,000 | 6,122,000 |
| Provision for loan losses | 109,000 | 230,000 | 347,000 | 410,000 |
| Pretax income | 355,000 | 886,000 | 1,593,000 | 2,292,000 |
| Income tax | 121,000 | 302,000 | 541,000 | 779,000 |
| Net income | 234,000 | 584,000 | 1,052,000 | 1,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,335,000 | 15,685,000 | 16,165,000 | 16,894,000 |
| Total capital | 17,049,000 | 17,525,000 | 18,035,000 | 18,896,000 |
| Risk-weighted assets | 136,791,000 | 147,028,000 | 148,829,000 | 159,964,000 |