Call reports 2005
STATE BANK OF MISSOURI — 2005
What STATE BANK OF MISSOURI 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 | 55,315,000 | 53,155,000 | 54,359,000 | 55,846,000 |
| Total loans | 39,079,000 | 39,674,000 | 41,499,000 | 40,889,000 |
| Allowance for loan losses | 620,000 | 649,000 | 661,000 | 657,000 |
| Securities available for sale | 10,118,000 | 10,423,000 | 9,915,000 | 10,141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,663,000 | 46,670,000 | 46,426,000 | 49,869,000 |
| Interest-bearing deposits | 42,608,000 | 39,825,000 | 39,505,000 | 41,912,000 |
| Noninterest-bearing deposits | 7,054,000 | 6,844,000 | 6,921,000 | 7,957,000 |
| Equity capital | 4,850,000 | 5,008,000 | 5,108,000 | 5,110,000 |
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 | 753,000 | 1,528,000 | 2,362,000 | 3,217,000 |
| Interest expense | 172,000 | 360,000 | 565,000 | 808,000 |
| Net interest income | 581,000 | 1,168,000 | 1,797,000 | 2,409,000 |
| Noninterest income | 147,000 | 302,000 | 469,000 | 623,000 |
| Noninterest expense | 396,000 | 816,000 | 1,253,000 | 1,724,000 |
| Provision for loan losses | 28,000 | 60,000 | 71,000 | 79,000 |
| Pretax income | 304,000 | 594,000 | 942,000 | 1,229,000 |
| Income tax | -21,000 | -9,000 | 6,000 | 17,000 |
| Net income | 325,000 | 603,000 | 936,000 | 1,212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,989,000 | 5,081,000 | 5,223,000 | 5,244,000 |
| Total capital | 5,433,000 | 5,525,000 | 5,692,000 | 5,696,000 |
| Risk-weighted assets | 35,250,000 | 35,295,000 | 36,574,000 | 40,486,000 |