Call reports 2005
CARMINE STATE BANK — 2005
What CARMINE 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 | 34,215,000 | 35,118,000 | 35,314,000 | 35,962,000 |
| Total loans | 13,828,000 | 14,224,000 | 14,771,000 | 15,064,000 |
| Allowance for loan losses | 176,000 | 176,000 | 177,000 | 157,000 |
| Securities available for sale | 5,638,000 | 5,274,000 | 5,240,000 | 5,835,000 |
| Securities held to maturity | 3,701,000 | 4,135,000 | 4,639,000 | 4,278,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,008,000 | 29,757,000 | 29,789,000 | 30,520,000 |
| Interest-bearing deposits | 21,903,000 | 23,865,000 | 23,897,000 | 24,439,000 |
| Noninterest-bearing deposits | 7,105,000 | 5,892,000 | 5,892,000 | 6,081,000 |
| Equity capital | 5,151,000 | 5,262,000 | 5,391,000 | 5,319,000 |
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 | 422,000 | 861,000 | 1,328,000 | 1,810,000 |
| Interest expense | 97,000 | 204,000 | 326,000 | 471,000 |
| Net interest income | 325,000 | 657,000 | 1,002,000 | 1,339,000 |
| Noninterest income | 39,000 | 73,000 | 108,000 | 144,000 |
| Noninterest expense | 190,000 | 397,000 | 595,000 | 958,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 173,000 | 331,000 | 511,000 | 501,000 |
| Income tax | 41,000 | 71,000 | 107,000 | 67,000 |
| Net income | 132,000 | 260,000 | 404,000 | 434,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,180,000 | 5,267,000 | 5,403,000 | 5,331,000 |
| Total capital | 5,356,000 | 5,443,000 | 5,580,000 | 5,488,000 |
| Risk-weighted assets | 17,356,000 | 17,844,000 | 18,285,000 | 18,633,000 |
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