Call reports 2005
KODABANK — 2005
What KODABANK 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 | 36,627,000 | 37,148,000 | 37,781,000 | 39,352,000 |
| Total loans | 24,978,000 | 25,963,000 | 27,452,000 | 28,034,000 |
| Allowance for loan losses | 580,000 | 574,000 | 575,000 | 561,000 |
| Securities available for sale | 6,260,000 | 6,723,000 | 6,521,000 | 6,326,000 |
| Securities held to maturity | 806,000 | 877,000 | 777,000 | 747,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,223,000 | 31,532,000 | 30,360,000 | 33,286,000 |
| Interest-bearing deposits | 28,630,000 | 28,198,000 | 27,026,000 | 28,237,000 |
| Noninterest-bearing deposits | 3,593,000 | 3,334,000 | 3,334,000 | 5,049,000 |
| Equity capital | 4,087,000 | 4,308,000 | 4,404,000 | 4,189,000 |
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 | 543,000 | 1,101,000 | 1,720,000 | 2,338,000 |
| Interest expense | 135,000 | 275,000 | 447,000 | 624,000 |
| Net interest income | 408,000 | 826,000 | 1,273,000 | 1,714,000 |
| Noninterest income | 41,000 | 83,000 | 129,000 | 173,000 |
| Noninterest expense | 182,000 | 371,000 | 571,000 | 808,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 267,000 | 538,000 | 831,000 | 1,079,000 |
| Income tax | 17,000 | 36,000 | 56,000 | 75,000 |
| Net income | 250,000 | 502,000 | 775,000 | 1,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,179,000 | 4,356,000 | 4,479,000 | 4,303,000 |
| Total capital | 4,461,000 | 4,648,000 | 4,791,000 | 4,627,000 |
| Risk-weighted assets | 22,250,000 | 23,058,000 | 24,715,000 | 25,704,000 |