Call reports 2005
WALTON STATE BANK, THE — 2005
What WALTON STATE BANK, THE 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 | 6,167,000 | 5,955,000 | 5,940,000 | 5,671,000 |
| Total loans | 3,410,000 | 3,299,000 | 3,677,000 | 3,553,000 |
| Allowance for loan losses | 39,000 | 40,000 | 41,000 | 41,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,637,000 | 1,724,000 | 1,683,000 | 1,651,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,680,000 | 5,452,000 | 5,423,000 | 5,093,000 |
| Interest-bearing deposits | 4,927,000 | 4,802,000 | 4,730,000 | 4,368,000 |
| Noninterest-bearing deposits | 753,000 | 650,000 | 693,000 | 725,000 |
| Equity capital | 471,000 | 485,000 | 497,000 | 510,000 |
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 | 82,000 | 167,000 | 253,000 | 341,000 |
| Interest expense | 22,000 | 46,000 | 71,000 | 96,000 |
| Net interest income | 60,000 | 121,000 | 182,000 | 245,000 |
| Noninterest income | 22,000 | 45,000 | 67,000 | 86,000 |
| Noninterest expense | 65,000 | 132,000 | 199,000 | 269,000 |
| Provision for loan losses | 1,000 | 2,000 | 3,000 | 4,000 |
| Pretax income | 16,000 | 32,000 | 47,000 | 58,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 1,000 |
| Net income | 13,000 | 26,000 | 38,000 | 57,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 471,000 | 485,000 | 497,000 | 510,000 |
| Total capital | 510,000 | 525,000 | 538,000 | 551,000 |
| Risk-weighted assets | 3,552,000 | 3,421,000 | 3,688,000 | 3,501,000 |