Call reports 2005
MILLEDGEVILLE STATE BANK — 2005
What MILLEDGEVILLE 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 | 57,722,000 | 58,378,000 | 59,003,000 | 59,975,000 |
| Total loans | 37,856,000 | 39,344,000 | 39,262,000 | 38,914,000 |
| Allowance for loan losses | 305,000 | 295,000 | 305,000 | 285,000 |
| Securities available for sale | 15,934,000 | 14,858,000 | 13,796,000 | 14,033,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,255,000 | 46,630,000 | 47,113,000 | 48,328,000 |
| Interest-bearing deposits | 41,114,000 | 41,822,000 | 42,698,000 | 42,189,000 |
| Noninterest-bearing deposits | 4,141,000 | 4,808,000 | 4,415,000 | 6,139,000 |
| Equity capital | 7,290,000 | 7,675,000 | 7,721,000 | 7,575,000 |
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 | 779,000 | 1,620,000 | 2,467,000 | 3,362,000 |
| Interest expense | 256,000 | 544,000 | 855,000 | 1,183,000 |
| Net interest income | 523,000 | 1,076,000 | 1,612,000 | 2,179,000 |
| Noninterest income | 42,000 | 86,000 | 135,000 | 184,000 |
| Noninterest expense | 323,000 | 619,000 | 956,000 | 1,291,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 10,000 |
| Pretax income | 242,000 | 541,000 | 779,000 | 1,055,000 |
| Income tax | 0 | 0 | 0 | 10,000 |
| Net income | 242,000 | 541,000 | 779,000 | 1,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,140,000 | 7,369,000 | 7,537,000 | 7,485,000 |
| Total capital | 7,445,000 | 7,664,000 | 7,842,000 | 7,770,000 |
| Risk-weighted assets | 43,109,000 | 45,189,000 | 45,479,000 | 45,511,000 |
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