Call reports 2005
STANLEY BANK — 2005
What STANLEY 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 | 118,244,000 | 113,071,000 | 119,117,000 | 115,502,000 |
| Total loans | 89,788,000 | 89,177,000 | 85,678,000 | 84,690,000 |
| Allowance for loan losses | 757,000 | 947,000 | 442,000 | 421,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,995,000 | 17,988,000 | 14,986,000 | 15,986,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,947,000 | 85,075,000 | 91,170,000 | 92,410,000 |
| Interest-bearing deposits | 79,878,000 | 74,319,000 | 79,314,000 | 77,173,000 |
| Noninterest-bearing deposits | 11,069,000 | 10,756,000 | 11,856,000 | 15,237,000 |
| Equity capital | 21,560,000 | 21,771,000 | 22,180,000 | 22,774,000 |
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 | 1,654,000 | 3,458,000 | 5,361,000 | 7,388,000 |
| Interest expense | 336,000 | 769,000 | 1,292,000 | 1,907,000 |
| Net interest income | 1,318,000 | 2,689,000 | 4,069,000 | 5,481,000 |
| Noninterest income | 216,000 | 421,000 | 643,000 | 914,000 |
| Noninterest expense | 832,000 | 1,499,000 | 2,321,000 | 3,392,000 |
| Provision for loan losses | 0 | 300,000 | 400,000 | 400,000 |
| Pretax income | 702,000 | 1,311,000 | 1,991,000 | 2,603,000 |
| Income tax | 35,000 | 33,000 | 54,000 | 72,000 |
| Net income | 667,000 | 1,278,000 | 1,937,000 | 2,531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,560,000 | 21,771,000 | 22,180,000 | 22,774,000 |
| Total capital | 22,317,000 | 22,718,000 | 22,622,000 | 23,195,000 |
| Risk-weighted assets | 91,901,000 | 89,832,000 | 89,345,000 | 87,984,000 |
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