Call reports 2005
STATE BANK OF NEW RICHLAND — 2005
What STATE BANK OF NEW RICHLAND 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 | 46,213,000 | 49,501,000 | 50,183,000 | 50,176,000 |
| Total loans | 34,699,000 | 37,733,000 | 39,794,000 | 40,085,000 |
| Allowance for loan losses | 531,000 | 553,000 | 626,000 | 599,000 |
| Securities available for sale | 6,482,000 | 7,125,000 | 6,551,000 | 5,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,954,000 | 32,033,000 | 31,528,000 | 34,415,000 |
| Interest-bearing deposits | 26,620,000 | 27,331,000 | 26,308,000 | 28,801,000 |
| Noninterest-bearing deposits | 4,334,000 | 4,702,000 | 5,220,000 | 5,614,000 |
| Equity capital | 2,656,000 | 4,048,000 | 3,789,000 | 3,647,000 |
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 | 796,000 | 1,643,000 | 2,512,000 | 3,417,000 |
| Interest expense | 278,000 | 586,000 | 908,000 | 1,244,000 |
| Net interest income | 518,000 | 1,057,000 | 1,604,000 | 2,173,000 |
| Noninterest income | 59,000 | 115,000 | 179,000 | 277,000 |
| Noninterest expense | 232,000 | 473,000 | 725,000 | 1,079,000 |
| Provision for loan losses | 30,000 | 54,000 | 133,000 | 162,000 |
| Pretax income | 314,000 | 644,000 | 917,000 | 1,196,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 314,000 | 644,000 | 917,000 | 1,196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,091,000 | 4,351,000 | 4,292,000 | 4,572,000 |
| Total capital | 4,528,000 | 4,819,000 | 4,787,000 | 5,071,000 |
| Risk-weighted assets | 34,874,000 | 37,314,000 | 39,575,000 | 40,306,000 |
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