Call reports 2005
COPPERMARK BANK — 2005
What COPPERMARK 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 | 743,432,000 | 772,598,000 | 800,203,000 | 826,202,000 |
| Total loans | 659,905,000 | 693,178,000 | 711,776,000 | 733,054,000 |
| Allowance for loan losses | 8,288,000 | 8,809,000 | 9,162,000 | 9,147,000 |
| Securities available for sale | 11,524,000 | 10,465,000 | 10,163,000 | 9,884,000 |
| Securities held to maturity | 2,231,000 | 2,525,000 | 2,327,000 | 2,314,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 652,141,000 | 673,443,000 | 696,276,000 | 712,756,000 |
| Interest-bearing deposits | 485,622,000 | 494,708,000 | 520,530,000 | 524,615,000 |
| Noninterest-bearing deposits | 166,519,000 | 178,735,000 | 175,746,000 | 188,141,000 |
| Equity capital | 64,044,000 | 67,559,000 | 68,870,000 | 71,931,000 |
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 | 10,933,000 | 23,342,000 | 36,847,000 | 51,505,000 |
| Interest expense | 2,770,000 | 6,207,000 | 10,226,000 | 14,839,000 |
| Net interest income | 8,163,000 | 17,135,000 | 26,621,000 | 36,666,000 |
| Noninterest income | 3,489,000 | 7,021,000 | 10,821,000 | 14,246,000 |
| Noninterest expense | 7,271,000 | 14,973,000 | 23,002,000 | 30,322,000 |
| Provision for loan losses | 750,000 | 1,592,000 | 2,292,000 | 2,800,000 |
| Pretax income | 3,631,000 | 7,591,000 | 12,148,000 | 17,790,000 |
| Income tax | 1,334,000 | 2,787,000 | 4,466,000 | 6,037,000 |
| Net income | 2,297,000 | 4,804,000 | 7,682,000 | 11,753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,193,000 | 67,600,000 | 68,969,000 | 72,087,000 |
| Total capital | 72,481,000 | 76,409,000 | 78,131,000 | 81,234,000 |
| Risk-weighted assets | 713,259,000 | 745,943,000 | 763,926,000 | 790,982,000 |