Call reports 2005
SHELL LAKE STATE BANK — 2005
What SHELL LAKE 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 | 115,627,000 | 117,574,000 | 121,411,000 | 119,031,000 |
| Total loans | 64,671,000 | 68,610,000 | 71,364,000 | 73,002,000 |
| Allowance for loan losses | 997,000 | 978,000 | 993,000 | 974,000 |
| Securities available for sale | 42,231,000 | 40,219,000 | 40,067,000 | 38,720,000 |
| Securities held to maturity | 321,000 | 321,000 | 321,000 | 320,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,609,000 | 89,478,000 | 89,469,000 | 84,568,000 |
| Interest-bearing deposits | 71,471,000 | 71,047,000 | 68,053,000 | 66,450,000 |
| Noninterest-bearing deposits | 15,138,000 | 18,431,000 | 21,416,000 | 18,118,000 |
| Equity capital | 18,955,000 | 19,634,000 | 19,954,000 | 18,880,000 |
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 | 1,439,000 | 2,925,000 | 4,500,000 | 6,112,000 |
| Interest expense | 348,000 | 716,000 | 1,104,000 | 1,547,000 |
| Net interest income | 1,091,000 | 2,209,000 | 3,396,000 | 4,565,000 |
| Noninterest income | 214,000 | 406,000 | 651,000 | 899,000 |
| Noninterest expense | 685,000 | 1,311,000 | 2,018,000 | 2,901,000 |
| Provision for loan losses | 11,000 | 22,000 | 37,000 | 62,000 |
| Pretax income | 610,000 | 1,282,000 | 1,993,000 | 2,501,000 |
| Income tax | 166,000 | 346,000 | 547,000 | 745,000 |
| Net income | 444,000 | 936,000 | 1,446,000 | 1,756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,046,000 | 19,576,000 | 20,018,000 | 19,017,000 |
| Total capital | 19,906,000 | 20,511,000 | 20,951,000 | 19,947,000 |
| Risk-weighted assets | 68,632,000 | 74,808,000 | 74,577,000 | 74,329,000 |
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