Call reports 2005
SENTRY BANK — 2005
What SENTRY 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 | 61,695,000 | 66,187,000 | 77,235,000 | 80,589,000 |
| Total loans | 36,658,000 | 40,867,000 | 42,835,000 | 44,635,000 |
| Allowance for loan losses | 379,000 | 414,000 | 439,000 | 450,000 |
| Securities available for sale | 17,812,000 | 17,988,000 | 17,577,000 | 17,037,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,868,000 | 57,328,000 | 58,181,000 | 61,678,000 |
| Interest-bearing deposits | 47,121,000 | 48,958,000 | 49,094,000 | 51,778,000 |
| Noninterest-bearing deposits | 7,747,000 | 8,370,000 | 9,087,000 | 9,900,000 |
| Equity capital | 4,450,000 | 4,790,000 | 13,263,000 | 13,395,000 |
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 | 817,000 | 1,723,000 | 577,000 | 1,646,000 |
| Interest expense | 238,000 | 514,000 | 192,000 | 572,000 |
| Net interest income | 579,000 | 1,209,000 | 385,000 | 1,074,000 |
| Noninterest income | 83,000 | 190,000 | 72,000 | 171,000 |
| Noninterest expense | 371,000 | 750,000 | 205,000 | 593,000 |
| Provision for loan losses | 34,000 | 69,000 | 6,000 | 19,000 |
| Pretax income | 257,000 | 580,000 | 246,000 | 633,000 |
| Income tax | 6,000 | 6,000 | 0 | 0 |
| Net income | 251,000 | 574,000 | 246,000 | 633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,766,000 | 4,926,000 | 6,209,000 | 6,505,000 |
| Total capital | 5,145,000 | 5,340,000 | 6,648,000 | 6,955,000 |
| Risk-weighted assets | 41,677,000 | 45,966,000 | 44,823,000 | 48,428,000 |