Call reports 2005
DUPONT STATE BANK — 2005
What DUPONT 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 | 40,888,000 | 41,941,000 | 44,502,000 | 45,800,000 |
| Total loans | 32,990,000 | 36,680,000 | 38,612,000 | 39,839,000 |
| Allowance for loan losses | 435,000 | 509,000 | 572,000 | 605,000 |
| Securities available for sale | 2,855,000 | 2,695,000 | 2,656,000 | 2,638,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,935,000 | 32,764,000 | 36,067,000 | 35,110,000 |
| Interest-bearing deposits | 26,038,000 | 25,519,000 | 27,500,000 | 27,816,000 |
| Noninterest-bearing deposits | 7,897,000 | 7,246,000 | 8,567,000 | 7,294,000 |
| Equity capital | 5,031,000 | 5,162,000 | 5,249,000 | 5,353,000 |
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 | 604,000 | 1,291,000 | 2,066,000 | 2,850,000 |
| Interest expense | 164,000 | 342,000 | 555,000 | 798,000 |
| Net interest income | 440,000 | 949,000 | 1,511,000 | 2,052,000 |
| Noninterest income | 68,000 | 153,000 | 193,000 | 252,000 |
| Noninterest expense | 321,000 | 678,000 | 1,042,000 | 1,411,000 |
| Provision for loan losses | 55,000 | 147,000 | 219,000 | 281,000 |
| Pretax income | 132,000 | 277,000 | 443,000 | 612,000 |
| Income tax | 44,000 | 92,000 | 147,000 | 204,000 |
| Net income | 88,000 | 185,000 | 296,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,189,000 | 4,286,000 | 4,397,000 | 4,509,000 |
| Total capital | 4,577,000 | 4,713,000 | 4,841,000 | 4,956,000 |
| Risk-weighted assets | 30,981,000 | 34,062,000 | 35,386,000 | 36,390,000 |