Call reports 2005
GEORGE STATE BANK — 2005
What GEORGE 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 | 42,510,000 | 43,696,000 | 44,209,000 | 43,271,000 |
| Total loans | 29,355,000 | 30,499,000 | 32,017,000 | 30,161,000 |
| Allowance for loan losses | 402,000 | 402,000 | 402,000 | 409,000 |
| Securities available for sale | 11,190,000 | 11,141,000 | 10,565,000 | 9,943,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,016,000 | 37,090,000 | 36,479,000 | 39,630,000 |
| Interest-bearing deposits | 32,911,000 | 32,635,000 | 31,996,000 | 32,465,000 |
| Noninterest-bearing deposits | 6,105,000 | 4,455,000 | 4,483,000 | 7,165,000 |
| Equity capital | 3,354,000 | 3,536,000 | 3,597,000 | 3,164,000 |
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 | 569,000 | 1,172,000 | 1,811,000 | 2,441,000 |
| Interest expense | 172,000 | 365,000 | 590,000 | 806,000 |
| Net interest income | 397,000 | 807,000 | 1,221,000 | 1,635,000 |
| Noninterest income | 38,000 | 71,000 | 108,000 | 143,000 |
| Noninterest expense | 231,000 | 461,000 | 712,000 | 985,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 204,000 | 417,000 | 617,000 | 793,000 |
| Income tax | 11,000 | 23,000 | 34,000 | 36,000 |
| Net income | 193,000 | 394,000 | 583,000 | 757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,518,000 | 3,643,000 | 3,757,000 | 3,406,000 |
| Total capital | 3,920,000 | 4,045,000 | 4,159,000 | 3,815,000 |
| Risk-weighted assets | 33,202,000 | 34,311,000 | 35,260,000 | 33,690,000 |