Call reports 2005
STATE CENTRAL BANK — 2005
What STATE CENTRAL 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 | 171,540,000 | 169,783,000 | 176,370,000 | 186,112,000 |
| Total loans | 116,234,000 | 125,834,000 | 147,181,000 | 155,600,000 |
| Allowance for loan losses | 3,374,000 | 3,205,000 | 3,236,000 | 3,248,000 |
| Securities available for sale | 33,767,000 | 29,156,000 | 15,190,000 | 15,024,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,496,000 | 139,688,000 | 142,344,000 | 148,092,000 |
| Interest-bearing deposits | 121,392,000 | 117,882,000 | 117,817,000 | 122,606,000 |
| Noninterest-bearing deposits | 20,104,000 | 21,806,000 | 24,527,000 | 25,486,000 |
| Equity capital | 18,397,000 | 18,485,000 | 18,709,000 | 18,522,000 |
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 | 2,138,000 | 4,415,000 | 6,962,000 | 9,650,000 |
| Interest expense | 592,000 | 1,212,000 | 1,890,000 | 2,679,000 |
| Net interest income | 1,546,000 | 3,203,000 | 5,072,000 | 6,971,000 |
| Noninterest income | 579,000 | 1,003,000 | 1,477,000 | 2,084,000 |
| Noninterest expense | 1,559,000 | 3,086,000 | 4,739,000 | 6,462,000 |
| Provision for loan losses | 383,000 | 383,000 | 383,000 | 383,000 |
| Pretax income | 22,000 | 531,000 | 1,508,000 | 2,291,000 |
| Income tax | 12,000 | 159,000 | 497,000 | 867,000 |
| Net income | 10,000 | 372,000 | 1,011,000 | 1,424,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,207,000 | 17,166,000 | 17,506,000 | 17,425,000 |
| Total capital | 18,779,000 | 18,830,000 | 19,401,000 | 19,432,000 |
| Risk-weighted assets | 123,931,000 | 131,565,000 | 150,282,000 | 159,352,000 |
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