Call reports 2005
ST. ANSGAR STATE BANK — 2005
What ST. ANSGAR 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 | 88,408,000 | 88,137,000 | 88,835,000 | 92,996,000 |
| Total loans | 60,177,000 | 60,831,000 | 63,152,000 | 62,562,000 |
| Allowance for loan losses | 711,000 | 728,000 | 674,000 | 662,000 |
| Securities available for sale | 1,967,000 | 1,980,000 | 1,973,000 | 1,971,000 |
| Securities held to maturity | 21,057,000 | 20,438,000 | 20,428,000 | 18,919,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,266,000 | 70,665,000 | 70,622,000 | 75,269,000 |
| Interest-bearing deposits | 62,928,000 | 63,009,000 | 62,727,000 | 64,017,000 |
| Noninterest-bearing deposits | 8,338,000 | 7,656,000 | 7,895,000 | 11,252,000 |
| Equity capital | 10,984,000 | 10,891,000 | 11,196,000 | 11,107,000 |
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 | 1,137,000 | 2,342,000 | 3,605,000 | 4,898,000 |
| Interest expense | 387,000 | 809,000 | 1,280,000 | 1,787,000 |
| Net interest income | 750,000 | 1,533,000 | 2,325,000 | 3,111,000 |
| Noninterest income | 44,000 | 84,000 | 129,000 | 274,000 |
| Noninterest expense | 501,000 | 1,008,000 | 1,512,000 | 2,049,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 293,000 | 609,000 | 942,000 | 1,336,000 |
| Income tax | 19,000 | 39,000 | 58,000 | 38,000 |
| Net income | 274,000 | 570,000 | 884,000 | 1,298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,006,000 | 10,902,000 | 11,215,000 | 11,130,000 |
| Total capital | 11,717,000 | 11,630,000 | 11,889,000 | 11,792,000 |
| Risk-weighted assets | 60,714,000 | 61,059,000 | 63,204,000 | 63,720,000 |
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