Call reports 2005
WHITAKER BANK, INC — 2005
What WHITAKER BANK, INC 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 | 1,105,786,000 | 1,098,981,000 | 1,119,089,000 | 1,140,788,000 |
| Total loans | 803,994,000 | 817,409,000 | 842,461,000 | 859,981,000 |
| Allowance for loan losses | 16,698,000 | 16,820,000 | 17,173,000 | 17,551,000 |
| Securities available for sale | 226,452,000 | 210,552,000 | 204,879,000 | 195,322,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 895,260,000 | 884,620,000 | 887,492,000 | 925,525,000 |
| Interest-bearing deposits | 775,824,000 | 757,038,000 | 752,418,000 | 784,332,000 |
| Noninterest-bearing deposits | 119,436,000 | 127,582,000 | 135,074,000 | 141,193,000 |
| Equity capital | 105,648,000 | 110,557,000 | 112,647,000 | 104,409,000 |
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 | 15,721,000 | 32,342,000 | 49,539,000 | 67,686,000 |
| Interest expense | 4,901,000 | 10,164,000 | 15,773,000 | 21,912,000 |
| Net interest income | 10,820,000 | 22,178,000 | 33,766,000 | 45,774,000 |
| Noninterest income | 1,873,000 | 3,849,000 | 5,909,000 | 7,941,000 |
| Noninterest expense | 8,410,000 | 17,188,000 | 25,988,000 | 35,191,000 |
| Provision for loan losses | 303,000 | 701,000 | 1,303,000 | 2,491,000 |
| Pretax income | 3,985,000 | 8,480,000 | 12,748,000 | 16,397,000 |
| Income tax | 1,112,000 | 2,410,000 | 3,641,000 | 4,663,000 |
| Net income | 2,873,000 | 6,070,000 | 9,107,000 | 11,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,467,000 | 89,844,000 | 93,062,000 | 85,869,000 |
| Total capital | 96,134,000 | 99,600,000 | 103,163,000 | 96,143,000 |
| Risk-weighted assets | 766,369,000 | 773,401,000 | 801,043,000 | 814,672,000 |