Call reports 2005
INTERCITY STATE BANK — 2005
What INTERCITY 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 | 120,960,000 | 123,274,000 | 122,173,000 | 123,843,000 |
| Total loans | 95,171,000 | 99,674,000 | 101,203,000 | 102,710,000 |
| Allowance for loan losses | 1,108,000 | 1,094,000 | 1,085,000 | 1,085,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 12,977,000 | 11,510,000 | 11,110,000 | 11,659,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,282,000 | 97,797,000 | 100,600,000 | 101,813,000 |
| Interest-bearing deposits | 83,436,000 | 83,103,000 | 84,661,000 | 86,832,000 |
| Noninterest-bearing deposits | 14,846,000 | 14,694,000 | 15,939,000 | 14,981,000 |
| Equity capital | 19,199,000 | 19,791,000 | 20,263,000 | 20,682,000 |
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 | 1,453,000 | 3,222,000 | 4,863,000 | 6,559,000 |
| Interest expense | 437,000 | 922,000 | 1,480,000 | 2,083,000 |
| Net interest income | 1,016,000 | 2,300,000 | 3,383,000 | 4,476,000 |
| Noninterest income | 162,000 | 281,000 | 404,000 | 521,000 |
| Noninterest expense | 505,000 | 974,000 | 1,454,000 | 1,983,000 |
| Provision for loan losses | 0 | 0 | 0 | 26,000 |
| Pretax income | 673,000 | 1,607,000 | 2,333,000 | 2,988,000 |
| Income tax | 234,000 | 576,000 | 830,000 | 1,066,000 |
| Net income | 439,000 | 1,031,000 | 1,503,000 | 1,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,199,000 | 19,791,000 | 20,263,000 | 20,682,000 |
| Total capital | 20,307,000 | 20,885,000 | 21,348,000 | 21,767,000 |
| Risk-weighted assets | 117,162,000 | 109,508,000 | 96,454,000 | 96,714,000 |
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