Call reports 2005
PARAGON BANK & TRUST — 2005
What PARAGON BANK & TRUST 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 | 109,956,000 | 113,434,000 | 111,297,000 | 106,636,000 |
| Total loans | 95,638,000 | 98,935,000 | 95,964,000 | 92,427,000 |
| Allowance for loan losses | 1,439,000 | 1,576,000 | 1,320,000 | 1,375,000 |
| Securities available for sale | 3,725,000 | 3,730,000 | 3,702,000 | 3,691,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,951,000 | 90,328,000 | 96,016,000 | 88,288,000 |
| Interest-bearing deposits | 84,868,000 | 80,512,000 | 88,533,000 | 80,238,000 |
| Noninterest-bearing deposits | 7,083,000 | 9,816,000 | 7,483,000 | 8,050,000 |
| Equity capital | 11,660,000 | 11,263,000 | 11,087,000 | 11,122,000 |
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 | 1,744,000 | 3,519,000 | 5,326,000 | 7,168,000 |
| Interest expense | 571,000 | 1,260,000 | 2,021,000 | 2,830,000 |
| Net interest income | 1,173,000 | 2,259,000 | 3,305,000 | 4,338,000 |
| Noninterest income | 342,000 | 659,000 | 1,022,000 | 1,351,000 |
| Noninterest expense | 917,000 | 1,778,000 | 2,675,000 | 3,559,000 |
| Provision for loan losses | 39,000 | 216,000 | 746,000 | 903,000 |
| Pretax income | 559,000 | 924,000 | 906,000 | 1,227,000 |
| Income tax | 189,000 | 313,000 | 307,000 | 416,000 |
| Net income | 370,000 | 611,000 | 599,000 | 811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,374,000 | 9,965,000 | 9,802,000 | 9,840,000 |
| Total capital | 11,614,000 | 11,255,000 | 11,056,000 | 11,042,000 |
| Risk-weighted assets | 98,971,000 | 102,924,000 | 100,264,000 | 96,019,000 |