Call reports 2005
TIPPINS BANK — 2005
What TIPPINS 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 | 50,575,000 | 50,910,000 | 55,228,000 | 55,467,000 |
| Total loans | 30,793,000 | 32,203,000 | 31,535,000 | 30,793,000 |
| Allowance for loan losses | 797,000 | 850,000 | 818,000 | 832,000 |
| Securities available for sale | 8,367,000 | 8,447,000 | 9,835,000 | 9,707,000 |
| Securities held to maturity | 1,860,000 | 1,497,000 | 28,000 | 25,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,687,000 | 45,981,000 | 48,687,000 | 48,923,000 |
| Interest-bearing deposits | 37,734,000 | 37,489,000 | 39,633,000 | 39,499,000 |
| Noninterest-bearing deposits | 7,953,000 | 8,492,000 | 9,054,000 | 9,424,000 |
| Equity capital | 4,494,000 | 4,486,000 | 6,058,000 | 6,054,000 |
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 | 749,000 | 1,538,000 | 2,369,000 | 3,231,000 |
| Interest expense | 187,000 | 389,000 | 608,000 | 834,000 |
| Net interest income | 562,000 | 1,149,000 | 1,761,000 | 2,397,000 |
| Noninterest income | 179,000 | 308,000 | 423,000 | 556,000 |
| Noninterest expense | 622,000 | 1,220,000 | 2,182,000 | 2,900,000 |
| Provision for loan losses | 30,000 | 40,000 | 70,000 | 120,000 |
| Pretax income | 89,000 | 197,000 | -67,000 | -66,000 |
| Income tax | 0 | 200,000 | -23,000 | -27,000 |
| Net income | 89,000 | -3,000 | -44,000 | -39,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,686,000 | 4,594,000 | 4,613,000 | 4,544,000 |
| Total capital | 5,080,000 | 5,000,000 | 5,014,000 | 4,941,000 |
| Risk-weighted assets | 31,112,000 | 31,800,000 | 31,658,000 | 31,331,000 |