Call reports 2005
NEW ERA BANK — 2005
What NEW ERA 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 | 214,121,000 | 217,173,000 | 219,522,000 | 230,123,000 |
| Total loans | 162,189,000 | 168,060,000 | 171,361,000 | 172,775,000 |
| Allowance for loan losses | 1,117,000 | 1,131,000 | 1,134,000 | 1,139,000 |
| Securities available for sale | 34,799,000 | 33,534,000 | 31,387,000 | 38,884,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,116,000 | 173,127,000 | 168,841,000 | 181,548,000 |
| Interest-bearing deposits | 153,928,000 | 151,077,000 | 148,700,000 | 161,107,000 |
| Noninterest-bearing deposits | 21,188,000 | 22,050,000 | 20,141,000 | 20,441,000 |
| Equity capital | 27,445,000 | 28,012,000 | 28,688,000 | 29,176,000 |
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 | 2,658,000 | 5,420,000 | 8,294,000 | 11,258,000 |
| Interest expense | 771,000 | 1,610,000 | 2,551,000 | 3,612,000 |
| Net interest income | 1,887,000 | 3,810,000 | 5,743,000 | 7,646,000 |
| Noninterest income | 393,000 | 834,000 | 1,288,000 | 1,681,000 |
| Noninterest expense | 931,000 | 1,898,000 | 2,871,000 | 3,835,000 |
| Provision for loan losses | 9,000 | 29,000 | 52,000 | 138,000 |
| Pretax income | 1,340,000 | 2,717,000 | 4,108,000 | 5,358,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,340,000 | 2,717,000 | 4,108,000 | 5,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,686,000 | 25,362,000 | 26,052,000 | 26,600,000 |
| Total capital | 25,803,000 | 26,493,000 | 27,186,000 | 27,739,000 |
| Risk-weighted assets | 133,577,000 | 140,053,000 | 142,054,000 | 144,914,000 |