Call reports 2005
SMACKOVER STATE BANK — 2005
What SMACKOVER 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 | 131,548,000 | 130,762,000 | 131,885,000 | 136,719,000 |
| Total loans | 59,348,000 | 59,593,000 | 60,885,000 | 61,891,000 |
| Allowance for loan losses | 1,092,000 | 1,044,000 | 1,077,000 | 1,080,000 |
| Securities available for sale | 46,657,000 | 46,985,000 | 46,220,000 | 45,136,000 |
| Securities held to maturity | 15,640,000 | 17,069,000 | 17,309,000 | 17,600,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,551,000 | 114,909,000 | 114,410,000 | 122,554,000 |
| Interest-bearing deposits | 103,112,000 | 101,453,000 | 99,577,000 | 106,196,000 |
| Noninterest-bearing deposits | 14,439,000 | 13,456,000 | 14,833,000 | 16,358,000 |
| Equity capital | 13,517,000 | 14,125,000 | 14,151,000 | 13,789,000 |
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 | 1,689,000 | 3,369,000 | 5,071,000 | 6,788,000 |
| Interest expense | 577,000 | 1,174,000 | 1,826,000 | 2,547,000 |
| Net interest income | 1,112,000 | 2,195,000 | 3,245,000 | 4,241,000 |
| Noninterest income | 143,000 | 286,000 | 429,000 | 578,000 |
| Noninterest expense | 717,000 | 1,405,000 | 2,142,000 | 2,889,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 493,000 | 986,000 | 1,397,000 | 1,750,000 |
| Income tax | 148,000 | 302,000 | 403,000 | 394,000 |
| Net income | 345,000 | 684,000 | 994,000 | 1,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,136,000 | 14,329,000 | 14,493,000 | 14,560,000 |
| Total capital | 14,991,000 | 15,183,000 | 15,374,000 | 15,467,000 |
| Risk-weighted assets | 68,168,000 | 68,156,000 | 70,263,000 | 72,376,000 |
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