Call reports 2005
TRUCOMMUNITY BANK — 2005
What TRUCOMMUNITY 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 | 56,398,000 | 56,637,000 | 56,722,000 | 53,632,000 |
| Total loans | 29,046,000 | 32,289,000 | 32,763,000 | 32,208,000 |
| Allowance for loan losses | 1,027,000 | 1,021,000 | 1,026,000 | 839,000 |
| Securities available for sale | 21,309,000 | 20,607,000 | 19,112,000 | 17,052,000 |
| Securities held to maturity | 1,117,000 | 793,000 | 944,000 | 941,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,159,000 | 46,930,000 | 48,712,000 | 46,946,000 |
| Interest-bearing deposits | 43,761,000 | 40,828,000 | 42,533,000 | 40,828,000 |
| Noninterest-bearing deposits | 6,398,000 | 6,102,000 | 6,179,000 | 6,118,000 |
| Equity capital | 5,835,000 | 6,013,000 | 6,065,000 | 5,740,000 |
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 | 734,000 | 1,494,000 | 2,309,000 | 3,122,000 |
| Interest expense | 216,000 | 446,000 | 696,000 | 948,000 |
| Net interest income | 518,000 | 1,048,000 | 1,613,000 | 2,174,000 |
| Noninterest income | 63,000 | 129,000 | 206,000 | 296,000 |
| Noninterest expense | 382,000 | 787,000 | 1,212,000 | 1,779,000 |
| Provision for loan losses | 8,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 191,000 | 375,000 | 592,000 | 676,000 |
| Income tax | 60,000 | 122,000 | 199,000 | 223,000 |
| Net income | 131,000 | 253,000 | 393,000 | 453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,007,000 | 6,094,000 | 6,198,000 | 5,959,000 |
| Total capital | 6,409,000 | 6,517,000 | 6,628,000 | 6,372,000 |
| Risk-weighted assets | 31,523,000 | 33,202,000 | 33,811,000 | 32,581,000 |