Call reports 2005
POCAHONTAS STATE BANK — 2005
What POCAHONTAS 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 | 59,178,000 | 59,593,000 | 60,507,000 | 62,650,000 |
| Total loans | 27,133,000 | 28,261,000 | 27,374,000 | 28,859,000 |
| Allowance for loan losses | 280,000 | 283,000 | 273,000 | 273,000 |
| Securities available for sale | 13,830,000 | 14,071,000 | 14,188,000 | 14,180,000 |
| Securities held to maturity | 11,268,000 | 11,276,000 | 11,434,000 | 14,031,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,528,000 | 46,950,000 | 48,627,000 | 49,214,000 |
| Interest-bearing deposits | 43,313,000 | 42,735,000 | 44,044,000 | 35,883,000 |
| Noninterest-bearing deposits | 4,215,000 | 4,215,000 | 4,583,000 | 13,331,000 |
| Equity capital | 8,364,000 | 8,619,000 | 8,547,000 | 8,558,000 |
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 | 701,000 | 1,409,000 | 2,145,000 | 2,883,000 |
| Interest expense | 237,000 | 493,000 | 776,000 | 1,074,000 |
| Net interest income | 464,000 | 916,000 | 1,369,000 | 1,809,000 |
| Noninterest income | 38,000 | 73,000 | -105,000 | -72,000 |
| Noninterest expense | 168,000 | 322,000 | 495,000 | 657,000 |
| Provision for loan losses | 0 | 80,000 | 80,000 | 80,000 |
| Pretax income | 334,000 | 587,000 | 695,000 | 1,005,000 |
| Income tax | 0 | 40,000 | 55,000 | 71,000 |
| Net income | 334,000 | 547,000 | 640,000 | 934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,148,000 | 6,192,000 | 6,199,000 | 6,403,000 |
| Total capital | 6,428,000 | 6,475,000 | 6,472,000 | 6,676,000 |
| Risk-weighted assets | 36,153,000 | 36,240,000 | 35,711,000 | 37,878,000 |
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