Call reports 2005
STATE BANK OF TOLEDO, THE — 2005
What STATE BANK OF TOLEDO, THE 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 | 79,218,000 | 80,580,000 | 85,453,000 | 82,265,000 |
| Total loans | 67,624,000 | 68,252,000 | 70,566,000 | 68,381,000 |
| Allowance for loan losses | 828,000 | 888,000 | 952,000 | 1,223,000 |
| Securities available for sale | 6,550,000 | 5,616,000 | 5,159,000 | 5,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,735,000 | 67,718,000 | 71,421,000 | 67,783,000 |
| Interest-bearing deposits | 60,512,000 | 60,250,000 | 64,061,000 | 57,136,000 |
| Noninterest-bearing deposits | 8,223,000 | 7,468,000 | 7,360,000 | 10,647,000 |
| Equity capital | 6,645,000 | 6,880,000 | 6,999,000 | 6,740,000 |
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 | 1,057,000 | 2,082,000 | 3,206,000 | 4,300,000 |
| Interest expense | 279,000 | 589,000 | 946,000 | 1,330,000 |
| Net interest income | 778,000 | 1,493,000 | 2,260,000 | 2,970,000 |
| Noninterest income | 152,000 | 394,000 | 581,000 | 750,000 |
| Noninterest expense | 583,000 | 1,085,000 | 1,653,000 | 2,205,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 520,000 |
| Pretax income | 287,000 | 682,000 | 1,008,000 | 995,000 |
| Income tax | 14,000 | 31,000 | 47,000 | 96,000 |
| Net income | 273,000 | 651,000 | 961,000 | 899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,730,000 | 6,916,000 | 7,034,000 | 6,779,000 |
| Total capital | 7,498,000 | 7,689,000 | 7,826,000 | 7,553,000 |
| Risk-weighted assets | 61,349,000 | 61,738,000 | 63,691,000 | 61,975,000 |
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