Call reports 2005
SIMMESPORT STATE BANK — 2005
What SIMMESPORT 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 | 41,303,000 | 40,639,000 | 41,036,000 | 40,714,000 |
| Total loans | 29,239,000 | 30,795,000 | 31,182,000 | 31,169,000 |
| Allowance for loan losses | 197,000 | 256,000 | 295,000 | 279,000 |
| Securities available for sale | 5,869,000 | 5,953,000 | 5,843,000 | 5,734,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,536,000 | 34,589,000 | 34,864,000 | 34,763,000 |
| Interest-bearing deposits | 29,417,000 | 28,403,000 | 27,478,000 | 27,408,000 |
| Noninterest-bearing deposits | 6,119,000 | 6,186,000 | 7,386,000 | 7,354,000 |
| Equity capital | 5,656,000 | 5,919,000 | 6,048,000 | 5,875,000 |
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 | 642,000 | 1,335,000 | 2,049,000 | 2,779,000 |
| Interest expense | 198,000 | 405,000 | 611,000 | 822,000 |
| Net interest income | 444,000 | 930,000 | 1,438,000 | 1,957,000 |
| Noninterest income | 67,000 | 153,000 | 236,000 | 321,000 |
| Noninterest expense | 253,000 | 520,000 | 780,000 | 1,229,000 |
| Provision for loan losses | 75,000 | 165,000 | 255,000 | 300,000 |
| Pretax income | 178,000 | 392,000 | 631,000 | 741,000 |
| Income tax | 63,000 | 126,000 | 189,000 | 252,000 |
| Net income | 115,000 | 266,000 | 442,000 | 489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,788,000 | 5,952,000 | 6,150,000 | 6,043,000 |
| Total capital | 5,985,000 | 6,209,000 | 6,445,000 | 6,321,000 |
| Risk-weighted assets | 24,426,000 | 25,079,000 | 26,196,000 | 26,045,000 |
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