Call reports 2005
STATE NATIONAL BANK IN WEST, THE — 2005
What STATE NATIONAL BANK IN WEST, 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 | 45,842,000 | 44,415,000 | 46,307,000 | 46,816,000 |
| Total loans | 11,410,000 | 11,282,000 | 11,153,000 | 11,708,000 |
| Allowance for loan losses | 305,000 | 271,000 | 300,000 | 254,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 30,376,000 | 30,418,000 | 30,319,000 | 30,154,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,767,000 | 39,214,000 | 41,189,000 | 41,726,000 |
| Interest-bearing deposits | 31,077,000 | 29,362,000 | 29,558,000 | 29,172,000 |
| Noninterest-bearing deposits | 9,690,000 | 9,852,000 | 11,631,000 | 12,554,000 |
| Equity capital | 5,007,000 | 5,027,000 | 5,037,000 | 5,051,000 |
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 | 471,000 | 946,000 | 1,430,000 | 1,932,000 |
| Interest expense | 62,000 | 126,000 | 193,000 | 269,000 |
| Net interest income | 409,000 | 820,000 | 1,237,000 | 1,663,000 |
| Noninterest income | 57,000 | 113,000 | 170,000 | 230,000 |
| Noninterest expense | 385,000 | 761,000 | 1,158,000 | 1,532,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 76,000 | 167,000 | 244,000 | 356,000 |
| Income tax | 26,000 | 57,000 | 83,000 | 121,000 |
| Net income | 50,000 | 110,000 | 161,000 | 235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,007,000 | 5,027,000 | 5,037,000 | 5,051,000 |
| Total capital | 5,230,000 | 5,246,000 | 5,259,000 | 5,279,000 |
| Risk-weighted assets | 17,753,000 | 17,505,000 | 17,713,000 | 18,219,000 |
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