Call reports 2005
STATE BANK OF BELLINGHAM — 2005
What STATE BANK OF BELLINGHAM 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 | 19,446,000 | 20,963,000 | 21,477,000 | 22,415,000 |
| Total loans | 16,433,000 | 17,529,000 | 18,053,000 | 18,509,000 |
| Allowance for loan losses | 183,000 | 189,000 | 195,000 | 201,000 |
| Securities available for sale | 1,417,000 | 1,445,000 | 1,435,000 | 1,413,000 |
| Securities held to maturity | 764,000 | 764,000 | 763,000 | 763,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,176,000 | 16,411,000 | 15,350,000 | 18,068,000 |
| Interest-bearing deposits | 14,683,000 | 14,722,000 | 14,012,000 | 15,662,000 |
| Noninterest-bearing deposits | 1,493,000 | 1,689,000 | 1,338,000 | 2,406,000 |
| Equity capital | 1,484,000 | 1,601,000 | 1,619,000 | 1,654,000 |
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 | 286,000 | 614,000 | 947,000 | 1,285,000 |
| Interest expense | 100,000 | 214,000 | 347,000 | 488,000 |
| Net interest income | 186,000 | 400,000 | 600,000 | 797,000 |
| Noninterest income | 6,000 | 15,000 | 21,000 | 28,000 |
| Noninterest expense | 115,000 | 216,000 | 325,000 | 438,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 71,000 | 187,000 | 278,000 | 363,000 |
| Income tax | 28,000 | 55,000 | 83,000 | 111,000 |
| Net income | 43,000 | 132,000 | 195,000 | 252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,516,000 | 1,605,000 | 1,619,000 | 1,654,000 |
| Total capital | 1,675,000 | 1,777,000 | 1,794,000 | 1,837,000 |
| Risk-weighted assets | 12,706,000 | 13,741,000 | 14,397,000 | 14,674,000 |
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