Call reports 2005
BANK OF LENAWEE — 2005
What BANK OF LENAWEE 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 | 270,020,000 | 269,849,000 | 286,205,000 | 286,497,000 |
| Total loans | 214,261,000 | 222,631,000 | 233,869,000 | 238,524,000 |
| Allowance for loan losses | 2,505,000 | 2,649,000 | 2,720,000 | 2,683,000 |
| Securities available for sale | 25,424,000 | 25,215,000 | 24,982,000 | 24,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,154,000 | 210,075,000 | 231,596,000 | 213,860,000 |
| Interest-bearing deposits | 173,399,000 | 160,941,000 | 181,350,000 | 165,375,000 |
| Noninterest-bearing deposits | 53,755,000 | 49,134,000 | 50,245,000 | 48,485,000 |
| Equity capital | 28,295,000 | 29,047,000 | 29,567,000 | 30,279,000 |
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 | 3,635,000 | 7,515,000 | 11,693,000 | 16,069,000 |
| Interest expense | 736,000 | 1,639,000 | 2,801,000 | 4,091,000 |
| Net interest income | 2,899,000 | 5,876,000 | 8,892,000 | 11,978,000 |
| Noninterest income | 921,000 | 1,863,000 | 2,675,000 | 3,265,000 |
| Noninterest expense | 3,263,000 | 6,131,000 | 9,024,000 | 11,772,000 |
| Provision for loan losses | 30,000 | 180,000 | 285,000 | 342,000 |
| Pretax income | 527,000 | 1,428,000 | 2,258,000 | 3,129,000 |
| Income tax | 182,000 | 452,000 | 722,000 | 785,000 |
| Net income | 345,000 | 976,000 | 1,536,000 | 2,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,582,000 | 29,212,000 | 29,773,000 | 30,580,000 |
| Total capital | 31,087,000 | 31,861,000 | 32,493,000 | 33,263,000 |
| Risk-weighted assets | 202,912,000 | 214,626,000 | 227,415,000 | 242,538,000 |