Call reports 2005
SOUTHWEST COMMUNITY BANK — 2005
What SOUTHWEST 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 | 54,468,000 | 60,483,000 | 60,481,000 | 64,621,000 |
| Total loans | 41,140,000 | 47,500,000 | 52,791,000 | 58,349,000 |
| Allowance for loan losses | 234,000 | 239,000 | 236,000 | 230,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 65,000 | 25,000 | 20,000 | 3,076,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,621,000 | 53,154,000 | 52,651,000 | 56,007,000 |
| Interest-bearing deposits | 43,474,000 | 49,646,000 | 49,745,000 | 52,504,000 |
| Noninterest-bearing deposits | 4,147,000 | 3,508,000 | 2,906,000 | 3,503,000 |
| Equity capital | 4,052,000 | 4,425,000 | 4,727,000 | 5,069,000 |
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 | 762,000 | 1,604,000 | 2,530,000 | 3,606,000 |
| Interest expense | 305,000 | 690,000 | 1,152,000 | 1,645,000 |
| Net interest income | 457,000 | 914,000 | 1,378,000 | 1,961,000 |
| Noninterest income | 33,000 | 63,000 | 439,000 | 459,000 |
| Noninterest expense | 349,000 | 705,000 | 1,073,000 | 1,466,000 |
| Provision for loan losses | 0 | 10,000 | 10,000 | 10,000 |
| Pretax income | 123,000 | 244,000 | 716,000 | 926,000 |
| Income tax | 33,000 | 71,000 | 241,000 | 334,000 |
| Net income | 90,000 | 173,000 | 475,000 | 592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,052,000 | 4,425,000 | 4,727,000 | 5,069,000 |
| Total capital | 4,286,000 | 4,664,000 | 4,963,000 | 5,299,000 |
| Risk-weighted assets | 39,827,000 | 45,526,000 | 49,350,000 | 52,254,000 |