Call reports 2005
TRADITIONS BANK — 2005
What TRADITIONS 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 | 74,060,000 | 79,308,000 | 94,435,000 | 105,181,000 |
| Total loans | 47,613,000 | 54,727,000 | 59,775,000 | 67,915,000 |
| Allowance for loan losses | 571,000 | 657,000 | 717,000 | 815,000 |
| Securities available for sale | 19,672,000 | 20,119,000 | 20,830,000 | 26,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,316,000 | 66,579,000 | 82,711,000 | 93,619,000 |
| Interest-bearing deposits | 59,373,000 | 60,806,000 | 75,621,000 | 86,457,000 |
| Noninterest-bearing deposits | 6,943,000 | 5,773,000 | 7,090,000 | 7,162,000 |
| Equity capital | 6,588,000 | 11,544,000 | 11,502,000 | 11,227,000 |
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 | 831,000 | 1,814,000 | 3,065,000 | 4,492,000 |
| Interest expense | 383,000 | 835,000 | 1,424,000 | 2,118,000 |
| Net interest income | 448,000 | 979,000 | 1,641,000 | 2,374,000 |
| Noninterest income | 37,000 | 72,000 | 124,000 | 177,000 |
| Noninterest expense | 490,000 | 1,030,000 | 1,659,000 | 2,438,000 |
| Provision for loan losses | 45,000 | 131,000 | 191,000 | 289,000 |
| Pretax income | -50,000 | -110,000 | -85,000 | -221,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -50,000 | -110,000 | -85,000 | -221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,941,000 | 11,793,000 | 11,817,000 | 11,682,000 |
| Total capital | 7,512,000 | 12,450,000 | 12,534,000 | 12,497,000 |
| Risk-weighted assets | 50,118,000 | 58,130,000 | 64,842,000 | 73,689,000 |