Call reports 2005
STATE BANK, THE — 2005
What STATE BANK, THE 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 | 383,922,000 | 384,361,000 | 388,286,000 | 395,134,000 |
| Total loans | 267,999,000 | 270,386,000 | 273,920,000 | 277,157,000 |
| Allowance for loan losses | 3,744,000 | 3,899,000 | 4,037,000 | 3,916,000 |
| Securities available for sale | 71,845,000 | 68,120,000 | 63,418,000 | 69,226,000 |
| Securities held to maturity | 16,258,000 | 15,617,000 | 13,077,000 | 12,797,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,458,000 | 333,275,000 | 342,667,000 | 348,725,000 |
| Interest-bearing deposits | 264,988,000 | 274,975,000 | 283,162,000 | 293,206,000 |
| Noninterest-bearing deposits | 56,470,000 | 58,300,000 | 59,505,000 | 55,519,000 |
| Equity capital | 30,804,000 | 31,079,000 | 31,581,000 | 32,224,000 |
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 | 5,017,000 | 10,309,000 | 15,837,000 | 21,490,000 |
| Interest expense | 1,301,000 | 2,793,000 | 4,470,000 | 6,337,000 |
| Net interest income | 3,716,000 | 7,516,000 | 11,367,000 | 15,153,000 |
| Noninterest income | 1,382,000 | 2,837,000 | 4,421,000 | 5,888,000 |
| Noninterest expense | 3,368,000 | 6,861,000 | 10,372,000 | 13,774,000 |
| Provision for loan losses | 140,000 | 350,000 | 500,000 | 710,000 |
| Pretax income | 1,479,000 | 3,032,000 | 4,808,000 | 6,453,000 |
| Income tax | 433,000 | 891,000 | 1,521,000 | 2,012,000 |
| Net income | 1,046,000 | 2,141,000 | 3,287,000 | 4,441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,668,000 | 31,679,000 | 32,385,000 | 33,121,000 |
| Total capital | 35,412,000 | 35,578,000 | 36,316,000 | 37,037,000 |
| Risk-weighted assets | 310,055,000 | 316,399,000 | 315,374,000 | 323,216,000 |