Call reports 2005
ACKLEY STATE BANK — 2005
What ACKLEY STATE 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 | 99,690,000 | 100,720,000 | 107,962,000 | 107,214,000 |
| Total loans | 66,558,000 | 66,537,000 | 70,276,000 | 70,279,000 |
| Allowance for loan losses | 856,000 | 880,000 | 898,000 | 941,000 |
| Securities available for sale | 26,122,000 | 27,295,000 | 25,423,000 | 26,594,000 |
| Securities held to maturity | 140,000 | 95,000 | 95,000 | 95,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,659,000 | 67,071,000 | 73,402,000 | 72,616,000 |
| Interest-bearing deposits | 60,634,000 | 60,394,000 | 62,236,000 | 64,459,000 |
| Noninterest-bearing deposits | 7,025,000 | 6,677,000 | 11,166,000 | 8,157,000 |
| Equity capital | 8,703,000 | 9,138,000 | 9,278,000 | 9,448,000 |
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 | 1,356,000 | 2,749,000 | 4,155,000 | 5,633,000 |
| Interest expense | 538,000 | 1,125,000 | 1,764,000 | 2,445,000 |
| Net interest income | 818,000 | 1,624,000 | 2,391,000 | 3,188,000 |
| Noninterest income | 151,000 | 318,000 | 524,000 | 703,000 |
| Noninterest expense | 608,000 | 1,201,000 | 1,830,000 | 2,424,000 |
| Provision for loan losses | 20,000 | 39,000 | 59,000 | 108,000 |
| Pretax income | 341,000 | 704,000 | 1,028,000 | 1,361,000 |
| Income tax | 95,000 | 188,000 | 264,000 | 338,000 |
| Net income | 246,000 | 516,000 | 764,000 | 1,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,391,000 | 8,661,000 | 8,909,000 | 9,167,000 |
| Total capital | 9,247,000 | 9,541,000 | 9,807,000 | 10,108,000 |
| Risk-weighted assets | 76,367,000 | 79,930,000 | 85,422,000 | 86,125,000 |
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