Call reports 2005
STATE BANK OF CHILTON — 2005
What STATE BANK OF CHILTON 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 | 108,964,000 | 114,266,000 | 125,051,000 | 147,786,000 |
| Total loans | 92,052,000 | 93,363,000 | 108,711,000 | 122,038,000 |
| Allowance for loan losses | 1,217,000 | 1,247,000 | 1,269,000 | 1,310,000 |
| Securities available for sale | 13,105,000 | 12,732,000 | 11,953,000 | 11,375,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,508,000 | 91,868,000 | 101,888,000 | 124,585,000 |
| Interest-bearing deposits | 75,362,000 | 78,586,000 | 84,210,000 | 107,509,000 |
| Noninterest-bearing deposits | 11,146,000 | 13,282,000 | 17,678,000 | 17,076,000 |
| Equity capital | 21,021,000 | 21,349,000 | 21,607,000 | 22,026,000 |
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 | 1,532,000 | 3,231,000 | 5,117,000 | 7,567,000 |
| Interest expense | 351,000 | 821,000 | 1,395,000 | 2,154,000 |
| Net interest income | 1,181,000 | 2,410,000 | 3,722,000 | 5,413,000 |
| Noninterest income | 107,000 | 186,000 | 270,000 | 348,000 |
| Noninterest expense | 892,000 | 1,730,000 | 2,572,000 | 3,481,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 223,000 |
| Pretax income | 364,000 | 804,000 | 1,328,000 | 2,055,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 364,000 | 804,000 | 1,328,000 | 2,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,921,000 | 21,173,000 | 21,510,000 | 22,048,000 |
| Total capital | 22,013,000 | 22,297,000 | 22,769,000 | 23,358,000 |
| Risk-weighted assets | 87,219,000 | 89,768,000 | 100,740,000 | 113,386,000 |