Call reports 2005
STATE BANK OF BEMENT — 2005
What STATE BANK OF BEMENT 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 | 49,447,000 | 49,502,000 | 49,771,000 | 57,818,000 |
| Total loans | 33,719,000 | 33,824,000 | 34,561,000 | 35,305,000 |
| Allowance for loan losses | 327,000 | 340,000 | 349,000 | 357,000 |
| Securities available for sale | 2,370,000 | 2,377,000 | 2,377,000 | 1,674,000 |
| Securities held to maturity | 10,274,000 | 9,975,000 | 9,566,000 | 9,150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,692,000 | 40,704,000 | 41,579,000 | 49,570,000 |
| Interest-bearing deposits | 37,505,000 | 36,499,000 | 37,651,000 | 43,623,000 |
| Noninterest-bearing deposits | 4,187,000 | 4,205,000 | 3,928,000 | 5,947,000 |
| Equity capital | 7,603,000 | 7,728,000 | 7,853,000 | 7,946,000 |
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 | 632,000 | 1,271,000 | 1,942,000 | 2,625,000 |
| Interest expense | 126,000 | 260,000 | 415,000 | 608,000 |
| Net interest income | 506,000 | 1,011,000 | 1,527,000 | 2,017,000 |
| Noninterest income | 102,000 | 214,000 | 329,000 | 457,000 |
| Noninterest expense | 437,000 | 887,000 | 1,336,000 | 1,802,000 |
| Provision for loan losses | 10,000 | 21,000 | 30,000 | 39,000 |
| Pretax income | 161,000 | 317,000 | 490,000 | 633,000 |
| Income tax | 44,000 | 86,000 | 136,000 | 175,000 |
| Net income | 117,000 | 231,000 | 354,000 | 458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,624,000 | 7,738,000 | 7,862,000 | 7,955,000 |
| Total capital | 7,951,000 | 8,078,000 | 8,211,000 | 8,312,000 |
| Risk-weighted assets | 36,272,000 | 36,949,000 | 37,324,000 | 39,702,000 |
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