Call reports 2005
STATE BANK OF DELANO — 2005
What STATE BANK OF DELANO 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 | 110,314,000 | 117,830,000 | 118,931,000 | 119,645,000 |
| Total loans | 91,736,000 | 96,153,000 | 95,602,000 | 97,639,000 |
| Allowance for loan losses | 521,000 | 581,000 | 642,000 | 702,000 |
| Securities available for sale | 9,273,000 | 9,249,000 | 9,188,000 | 9,736,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,925,000 | 88,965,000 | 90,891,000 | 93,696,000 |
| Interest-bearing deposits | 65,450,000 | 73,826,000 | 75,773,000 | 78,937,000 |
| Noninterest-bearing deposits | 14,475,000 | 15,139,000 | 15,118,000 | 14,759,000 |
| Equity capital | 11,935,000 | 12,256,000 | 12,715,000 | 12,919,000 |
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 | 1,742,000 | 3,633,000 | 5,656,000 | 7,736,000 |
| Interest expense | 402,000 | 892,000 | 1,551,000 | 2,237,000 |
| Net interest income | 1,340,000 | 2,741,000 | 4,105,000 | 5,499,000 |
| Noninterest income | 186,000 | 385,000 | 610,000 | 889,000 |
| Noninterest expense | 741,000 | 1,498,000 | 2,234,000 | 3,137,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 725,000 | 1,508,000 | 2,301,000 | 3,011,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 725,000 | 1,508,000 | 2,301,000 | 3,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,042,000 | 12,306,000 | 12,821,000 | 13,075,000 |
| Total capital | 12,563,000 | 12,887,000 | 13,463,000 | 13,777,000 |
| Risk-weighted assets | 97,409,000 | 103,397,000 | 105,575,000 | 107,487,000 |
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