Call reports 2005
STATE BANK — 2005
What 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 | 39,654,000 | 41,212,000 | 43,270,000 | 43,713,000 |
| Total loans | 34,200,000 | 36,177,000 | 36,555,000 | 37,530,000 |
| Allowance for loan losses | 237,000 | 232,000 | 238,000 | 241,000 |
| Securities available for sale | 1,341,000 | 1,289,000 | 1,233,000 | 2,185,000 |
| Securities held to maturity | 38,000 | 33,000 | 31,000 | 27,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,510,000 | 34,167,000 | 36,759,000 | 36,504,000 |
| Interest-bearing deposits | 27,708,000 | 28,572,000 | 29,251,000 | 30,292,000 |
| Noninterest-bearing deposits | 5,802,000 | 5,595,000 | 7,508,000 | 6,212,000 |
| Equity capital | 3,073,000 | 3,407,000 | 3,430,000 | 3,437,000 |
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 | 575,000 | 1,185,000 | 1,839,000 | 2,533,000 |
| Interest expense | 159,000 | 350,000 | 565,000 | 814,000 |
| Net interest income | 416,000 | 835,000 | 1,274,000 | 1,719,000 |
| Noninterest income | 122,000 | 260,000 | 423,000 | 567,000 |
| Noninterest expense | 427,000 | 864,000 | 1,295,000 | 1,752,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 111,000 | 231,000 | 402,000 | 514,000 |
| Income tax | 6,000 | 11,000 | 20,000 | 26,000 |
| Net income | 105,000 | 220,000 | 382,000 | 488,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,026,000 | 3,360,000 | 3,391,000 | 3,410,000 |
| Total capital | 3,263,000 | 3,592,000 | 3,629,000 | 3,651,000 |
| Risk-weighted assets | 32,526,000 | 34,252,000 | 35,146,000 | 35,739,000 |