Call reports 2005
KNISELY BANK — 2005
What KNISELY 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 | 52,845,000 | 50,305,000 | 54,011,000 | 53,068,000 |
| Total loans | 32,183,000 | 31,869,000 | 35,042,000 | 32,979,000 |
| Allowance for loan losses | 307,000 | 297,000 | 323,000 | 309,000 |
| Securities available for sale | 13,758,000 | 13,305,000 | 13,325,000 | 12,336,000 |
| Securities held to maturity | 70,000 | 70,000 | 70,000 | 70,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,692,000 | 45,579,000 | 47,807,000 | 43,708,000 |
| Interest-bearing deposits | 39,802,000 | 37,035,000 | 37,720,000 | 34,542,000 |
| Noninterest-bearing deposits | 8,890,000 | 8,544,000 | 10,087,000 | 9,166,000 |
| Equity capital | 3,880,000 | 3,920,000 | 3,999,000 | 4,129,000 |
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 | 594,000 | 1,198,000 | 1,826,000 | 2,468,000 |
| Interest expense | 139,000 | 286,000 | 450,000 | 633,000 |
| Net interest income | 455,000 | 912,000 | 1,376,000 | 1,835,000 |
| Noninterest income | 94,000 | 168,000 | 238,000 | 369,000 |
| Noninterest expense | 426,000 | 852,000 | 1,277,000 | 1,734,000 |
| Provision for loan losses | 7,000 | 15,000 | 15,000 | 27,000 |
| Pretax income | 116,000 | 213,000 | 322,000 | 443,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 116,000 | 213,000 | 322,000 | 443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,119,000 | 4,112,000 | 4,172,000 | 4,292,000 |
| Total capital | 4,426,000 | 4,409,000 | 4,495,000 | 4,601,000 |
| Risk-weighted assets | 29,371,000 | 28,574,000 | 30,432,000 | 28,890,000 |