Call reports 2005
ADVANTAGE COMMUNITY BANK — 2005
What ADVANTAGE COMMUNITY 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 | 86,151,000 | 94,721,000 | 95,721,000 | 102,745,000 |
| Total loans | 66,605,000 | 70,895,000 | 77,474,000 | 78,176,000 |
| Allowance for loan losses | 1,037,000 | 1,047,000 | 1,076,000 | 1,176,000 |
| Securities available for sale | 6,928,000 | 5,574,000 | 5,230,000 | 4,782,000 |
| Securities held to maturity | 278,000 | 248,000 | 248,000 | 248,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,550,000 | 79,368,000 | 80,061,000 | 86,986,000 |
| Interest-bearing deposits | 69,492,000 | 72,492,000 | 73,545,000 | 78,635,000 |
| Noninterest-bearing deposits | 5,058,000 | 6,876,000 | 6,517,000 | 8,351,000 |
| Equity capital | 8,159,000 | 8,354,000 | 8,522,000 | 8,659,000 |
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 | 1,026,000 | 2,172,000 | 3,423,000 | 4,758,000 |
| Interest expense | 416,000 | 889,000 | 1,441,000 | 2,093,000 |
| Net interest income | 610,000 | 1,283,000 | 1,982,000 | 2,665,000 |
| Noninterest income | 132,000 | 251,000 | 402,000 | 566,000 |
| Noninterest expense | 502,000 | 1,022,000 | 1,538,000 | 2,052,000 |
| Provision for loan losses | 2,000 | 5,000 | 32,000 | 134,000 |
| Pretax income | 238,000 | 523,000 | 814,000 | 1,045,000 |
| Income tax | 88,000 | 197,000 | 307,000 | 394,000 |
| Net income | 150,000 | 326,000 | 507,000 | 651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,717,000 | 7,631,000 | 8,184,000 | 8,339,000 |
| Total capital | 8,549,000 | 8,553,000 | 9,197,000 | 9,327,000 |
| Risk-weighted assets | 66,356,000 | 73,647,000 | 80,987,000 | 78,852,000 |