Call reports 2005
JAMES POLK STONE COMMUNITY BANK — 2005
What JAMES POLK STONE COMMUNITY 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 | 111,503,000 | 119,220,000 | 119,198,000 | 123,634,000 |
| Total loans | 53,553,000 | 60,008,000 | 59,881,000 | 63,135,000 |
| Allowance for loan losses | 419,000 | 528,000 | 570,000 | 574,000 |
| Securities available for sale | 15,428,000 | 15,591,000 | 23,122,000 | 22,281,000 |
| Securities held to maturity | 11,403,000 | 10,894,000 | 9,889,000 | 8,286,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,424,000 | 104,573,000 | 104,000,000 | 108,060,000 |
| Interest-bearing deposits | 70,454,000 | 71,474,000 | 67,364,000 | 71,989,000 |
| Noninterest-bearing deposits | 26,970,000 | 33,099,000 | 36,636,000 | 36,072,000 |
| Equity capital | 10,038,000 | 10,174,000 | 10,382,000 | 10,639,000 |
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 | 1,513,000 | 3,164,000 | 4,952,000 | 6,800,000 |
| Interest expense | 249,000 | 534,000 | 833,000 | 1,163,000 |
| Net interest income | 1,264,000 | 2,630,000 | 4,119,000 | 5,637,000 |
| Noninterest income | 325,000 | 684,000 | 1,068,000 | 1,509,000 |
| Noninterest expense | 1,402,000 | 2,818,000 | 4,266,000 | 5,748,000 |
| Provision for loan losses | 55,000 | 110,000 | 166,000 | 235,000 |
| Pretax income | 132,000 | 386,000 | 755,000 | 1,163,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 132,000 | 386,000 | 755,000 | 1,163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,881,000 | 9,965,000 | 10,225,000 | 10,632,000 |
| Total capital | 10,300,000 | 10,493,000 | 10,795,000 | 11,206,000 |
| Risk-weighted assets | 60,833,000 | 66,984,000 | 65,806,000 | 69,282,000 |
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