Call reports 2005
BANCROFT STATE BANK — 2005
What BANCROFT 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 | 51,814,000 | 52,457,000 | 52,139,000 | 54,154,000 |
| Total loans | 34,814,000 | 36,954,000 | 37,070,000 | 36,006,000 |
| Allowance for loan losses | 403,000 | 372,000 | 386,000 | 433,000 |
| Securities available for sale | 12,655,000 | 12,311,000 | 12,187,000 | 12,112,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,499,000 | 46,767,000 | 46,131,000 | 48,542,000 |
| Interest-bearing deposits | 40,418,000 | 40,030,000 | 39,790,000 | 39,746,000 |
| Noninterest-bearing deposits | 6,081,000 | 6,737,000 | 6,341,000 | 8,796,000 |
| Equity capital | 4,644,000 | 4,901,000 | 5,036,000 | 4,809,000 |
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 | 737,000 | 1,493,000 | 2,292,000 | 3,089,000 |
| Interest expense | 223,000 | 451,000 | 700,000 | 962,000 |
| Net interest income | 514,000 | 1,042,000 | 1,592,000 | 2,127,000 |
| Noninterest income | -42,000 | 64,000 | 114,000 | 177,000 |
| Noninterest expense | 376,000 | 750,000 | 1,078,000 | 1,512,000 |
| Provision for loan losses | 0 | 0 | 16,000 | 36,000 |
| Pretax income | 96,000 | 356,000 | 612,000 | 756,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 96,000 | 356,000 | 612,000 | 756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,717,000 | 4,815,000 | 5,071,000 | 4,915,000 |
| Total capital | 5,120,000 | 5,187,000 | 5,457,000 | 5,348,000 |
| Risk-weighted assets | 34,526,000 | 36,247,000 | 36,185,000 | 35,611,000 |
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