Call reports 2005
SONATA BANK — 2005
What SONATA 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 | 20,492,000 | 20,106,000 | 19,867,000 | 19,282,000 |
| Total loans | 10,000,000 | 9,800,000 | 9,849,000 | 9,516,000 |
| Allowance for loan losses | 343,000 | 360,000 | 390,000 | 409,000 |
| Securities available for sale | 1,644,000 | 1,145,000 | 1,099,000 | 746,000 |
| Securities held to maturity | 6,871,000 | 6,727,000 | 6,522,000 | 6,762,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,018,000 | 17,590,000 | 16,716,000 | 16,508,000 |
| Interest-bearing deposits | 15,546,000 | 14,751,000 | 14,243,000 | 14,157,000 |
| Noninterest-bearing deposits | 2,472,000 | 2,839,000 | 2,473,000 | 2,351,000 |
| Equity capital | 2,157,000 | 2,189,000 | 2,341,000 | 2,316,000 |
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 | 264,000 | 522,000 | 784,000 | 1,033,000 |
| Interest expense | 88,000 | 179,000 | 268,000 | 358,000 |
| Net interest income | 176,000 | 343,000 | 516,000 | 675,000 |
| Noninterest income | 28,000 | 56,000 | 226,000 | 244,000 |
| Noninterest expense | 207,000 | 372,000 | 561,000 | 762,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -3,000 | 27,000 | 181,000 | 157,000 |
| Income tax | -2,000 | -2,000 | -2,000 | -2,000 |
| Net income | -1,000 | 29,000 | 183,000 | 159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,161,000 | 2,191,000 | 2,345,000 | 2,321,000 |
| Total capital | 2,294,000 | 2,320,000 | 2,474,000 | 2,447,000 |
| Risk-weighted assets | 10,402,000 | 10,119,000 | 10,078,000 | 9,760,000 |