Call reports 2005
INTERSTATE BANK — 2005
What INTERSTATE 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 | 78,555,000 | 80,264,000 | 82,904,000 | 86,034,000 |
| Total loans | 50,745,000 | 47,408,000 | 48,758,000 | 52,635,000 |
| Allowance for loan losses | 542,000 | 542,000 | 536,000 | 536,000 |
| Securities available for sale | 16,229,000 | 16,518,000 | 20,124,000 | 21,709,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,493,000 | 72,112,000 | 75,004,000 | 77,857,000 |
| Interest-bearing deposits | 64,867,000 | 63,031,000 | 68,205,000 | 71,113,000 |
| Noninterest-bearing deposits | 5,626,000 | 9,081,000 | 6,799,000 | 6,744,000 |
| Equity capital | 6,833,000 | 6,957,000 | 6,998,000 | 6,972,000 |
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 | 983,000 | 1,978,000 | 3,039,000 | 4,229,000 |
| Interest expense | 259,000 | 545,000 | 856,000 | 1,201,000 |
| Net interest income | 724,000 | 1,433,000 | 2,183,000 | 3,028,000 |
| Noninterest income | 386,000 | 762,000 | 1,162,000 | 1,453,000 |
| Noninterest expense | 657,000 | 1,312,000 | 1,970,000 | 2,724,000 |
| Provision for loan losses | 41,000 | 41,000 | 41,000 | 41,000 |
| Pretax income | 412,000 | 842,000 | 1,334,000 | 1,694,000 |
| Income tax | 30,000 | 30,000 | 30,000 | 30,000 |
| Net income | 382,000 | 812,000 | 1,304,000 | 1,664,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,979,000 | 6,152,000 | 6,286,000 | 6,389,000 |
| Total capital | 6,521,000 | 6,694,000 | 6,822,000 | 6,925,000 |
| Risk-weighted assets | 49,034,000 | 46,718,000 | 48,334,000 | 50,698,000 |
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