Call reports 2005
NEIGHBORHOOD NATIONAL BANK — 2005
What NEIGHBORHOOD NATIONAL 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 | 159,953,000 | 161,219,000 | 157,947,000 | 164,086,000 |
| Total loans | 105,904,000 | 103,135,000 | 101,703,000 | 100,427,000 |
| Allowance for loan losses | 1,758,000 | 1,724,000 | 1,699,000 | 1,664,000 |
| Securities available for sale | 47,079,000 | 49,209,000 | 47,696,000 | 52,630,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,407,000 | 134,281,000 | 131,384,000 | 135,274,000 |
| Interest-bearing deposits | 120,468,000 | 120,954,000 | 118,298,000 | 120,894,000 |
| Noninterest-bearing deposits | 12,939,000 | 13,327,000 | 13,086,000 | 14,380,000 |
| Equity capital | 16,145,000 | 16,609,000 | 16,977,000 | 16,344,000 |
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 | 2,463,000 | 4,938,000 | 7,387,000 | 9,906,000 |
| Interest expense | 774,000 | 1,605,000 | 2,454,000 | 3,376,000 |
| Net interest income | 1,689,000 | 3,333,000 | 4,933,000 | 6,530,000 |
| Noninterest income | 166,000 | 362,000 | 565,000 | 743,000 |
| Noninterest expense | 917,000 | 1,892,000 | 2,806,000 | 3,731,000 |
| Provision for loan losses | 430,000 | 480,000 | 480,000 | 480,000 |
| Pretax income | 584,000 | 1,431,000 | 2,328,000 | 3,178,000 |
| Income tax | 378,000 | 700,000 | 1,000,000 | 1,300,000 |
| Net income | 206,000 | 731,000 | 1,328,000 | 1,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,847,000 | 15,910,000 | 16,542,000 | 16,324,000 |
| Total capital | 17,296,000 | 17,349,000 | 17,934,000 | 17,730,000 |
| Risk-weighted assets | 115,590,000 | 114,807,000 | 111,092,000 | 112,261,000 |