Call reports 2005
FREEPORT STATE BANK — 2005
What FREEPORT 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 | 61,748,000 | 62,037,000 | 63,427,000 | 65,916,000 |
| Total loans | 47,470,000 | 48,254,000 | 49,742,000 | 51,346,000 |
| Allowance for loan losses | 451,000 | 420,000 | 423,000 | 412,000 |
| Securities available for sale | 19,000 | 17,000 | 16,000 | 14,000 |
| Securities held to maturity | 8,655,000 | 8,649,000 | 8,580,000 | 8,421,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,435,000 | 53,529,000 | 54,651,000 | 55,986,000 |
| Interest-bearing deposits | 49,785,000 | 48,417,000 | 48,874,000 | 48,326,000 |
| Noninterest-bearing deposits | 5,650,000 | 5,112,000 | 5,777,000 | 7,660,000 |
| Equity capital | 4,863,000 | 5,020,000 | 5,137,000 | 5,264,000 |
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 | 892,000 | 1,830,000 | 2,805,000 | 3,812,000 |
| Interest expense | 244,000 | 520,000 | 831,000 | 1,163,000 |
| Net interest income | 648,000 | 1,310,000 | 1,974,000 | 2,649,000 |
| Noninterest income | 43,000 | 97,000 | 149,000 | 213,000 |
| Noninterest expense | 527,000 | 1,069,000 | 1,622,000 | 2,175,000 |
| Provision for loan losses | 203,000 | 205,000 | 214,000 | 214,000 |
| Pretax income | -39,000 | 133,000 | 287,000 | 473,000 |
| Income tax | 0 | 15,000 | 52,000 | 111,000 |
| Net income | -39,000 | 118,000 | 235,000 | 362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,862,000 | 5,019,000 | 5,136,000 | 5,263,000 |
| Total capital | 5,313,000 | 5,439,000 | 5,559,000 | 5,675,000 |
| Risk-weighted assets | 49,244,000 | 50,210,000 | 51,549,000 | 53,138,000 |
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