Call reports 2005
STATE BANK OF TOWNSEND, THE — 2005
What STATE BANK OF TOWNSEND, 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 | 35,949,000 | 35,821,000 | 35,642,000 | 37,412,000 |
| Total loans | 21,983,000 | 23,117,000 | 22,988,000 | 22,802,000 |
| Allowance for loan losses | 261,000 | 261,000 | 261,000 | 235,000 |
| Securities available for sale | 7,084,000 | 7,083,000 | 7,844,000 | 7,399,000 |
| Securities held to maturity | 273,000 | 266,000 | 246,000 | 243,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,261,000 | 32,032,000 | 31,720,000 | 33,451,000 |
| Interest-bearing deposits | 26,307,000 | 26,365,000 | 25,345,000 | 25,568,000 |
| Noninterest-bearing deposits | 5,954,000 | 5,667,000 | 6,375,000 | 7,883,000 |
| Equity capital | 3,315,000 | 3,445,000 | 3,564,000 | 3,463,000 |
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 | 516,000 | 1,075,000 | 1,640,000 | 2,242,000 |
| Interest expense | 87,000 | 180,000 | 288,000 | 404,000 |
| Net interest income | 429,000 | 895,000 | 1,352,000 | 1,838,000 |
| Noninterest income | 45,000 | 98,000 | 150,000 | 198,000 |
| Noninterest expense | 311,000 | 640,000 | 949,000 | 1,420,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 163,000 | 353,000 | 553,000 | 616,000 |
| Income tax | 65,000 | 139,000 | 218,000 | 226,000 |
| Net income | 98,000 | 214,000 | 335,000 | 390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,344,000 | 3,460,000 | 3,582,000 | 3,486,000 |
| Total capital | 3,579,000 | 3,697,000 | 3,819,000 | 3,721,000 |
| Risk-weighted assets | 18,751,000 | 18,950,000 | 18,965,000 | 20,024,000 |
Machine access — free, no API key
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