Call reports 2005
STOCK GROWERS BANK — 2005
What STOCK GROWERS 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 | 65,127,000 | 64,748,000 | 63,694,000 | 66,070,000 |
| Total loans | 31,215,000 | 33,374,000 | 34,222,000 | 33,872,000 |
| Allowance for loan losses | 333,000 | 351,000 | 358,000 | 350,000 |
| Securities available for sale | 24,690,000 | 26,281,000 | 24,969,000 | 26,127,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,397,000 | 53,328,000 | 51,193,000 | 54,651,000 |
| Interest-bearing deposits | 45,581,000 | 44,160,000 | 42,562,000 | 44,727,000 |
| Noninterest-bearing deposits | 8,816,000 | 9,168,000 | 8,630,000 | 9,924,000 |
| Equity capital | 10,539,000 | 11,166,000 | 11,417,000 | 11,199,000 |
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 | 759,000 | 1,543,000 | 2,360,000 | 3,202,000 |
| Interest expense | 174,000 | 373,000 | 597,000 | 841,000 |
| Net interest income | 585,000 | 1,170,000 | 1,763,000 | 2,361,000 |
| Noninterest income | 70,000 | 129,000 | 193,000 | 259,000 |
| Noninterest expense | 235,000 | 474,000 | 719,000 | 1,380,000 |
| Provision for loan losses | -40,000 | -22,000 | -15,000 | -23,000 |
| Pretax income | 460,000 | 847,000 | 1,252,000 | 1,263,000 |
| Income tax | 33,000 | 60,000 | 88,000 | 88,000 |
| Net income | 427,000 | 787,000 | 1,164,000 | 1,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,718,000 | 11,078,000 | 11,455,000 | 11,466,000 |
| Total capital | 11,051,000 | 11,429,000 | 11,813,000 | 11,816,000 |
| Risk-weighted assets | 41,596,000 | 43,936,000 | 44,821,000 | 45,139,000 |
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