Call reports 2005
SHERBURNE STATE BANK — 2005
What SHERBURNE 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 | 54,806,000 | 55,361,000 | 60,327,000 | 56,262,000 |
| Total loans | 42,950,000 | 42,116,000 | 43,572,000 | 43,276,000 |
| Allowance for loan losses | 329,000 | 332,000 | 314,000 | 331,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,626,000 | 6,403,000 | 6,583,000 | 6,766,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,479,000 | 50,972,000 | 55,736,000 | 51,440,000 |
| Interest-bearing deposits | 35,493,000 | 35,536,000 | 37,756,000 | 34,302,000 |
| Noninterest-bearing deposits | 14,986,000 | 15,436,000 | 17,980,000 | 17,138,000 |
| Equity capital | 4,242,000 | 4,303,000 | 4,478,000 | 4,750,000 |
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 | 808,000 | 1,643,000 | 2,505,000 | 3,432,000 |
| Interest expense | 119,000 | 247,000 | 389,000 | 531,000 |
| Net interest income | 689,000 | 1,396,000 | 2,116,000 | 2,901,000 |
| Noninterest income | 142,000 | 272,000 | 392,000 | 519,000 |
| Noninterest expense | 559,000 | 1,113,000 | 1,665,000 | 2,269,000 |
| Provision for loan losses | 12,000 | 27,000 | 37,000 | 61,000 |
| Pretax income | 260,000 | 528,000 | 806,000 | 1,090,000 |
| Income tax | 1,000 | 3,000 | 5,000 | 6,000 |
| Net income | 259,000 | 525,000 | 801,000 | 1,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,242,000 | 4,303,000 | 4,478,000 | 4,750,000 |
| Total capital | 4,571,000 | 4,635,000 | 4,792,000 | 5,081,000 |
| Risk-weighted assets | 44,651,000 | 44,182,000 | 46,517,000 | 44,663,000 |
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