Call reports 2005
SANBORN SAVINGS BANK — 2005
What SANBORN SAVINGS 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 | 40,246,000 | 42,696,000 | 44,560,000 | 45,508,000 |
| Total loans | 30,165,000 | 32,513,000 | 35,050,000 | 33,778,000 |
| Allowance for loan losses | 289,000 | 298,000 | 311,000 | 339,000 |
| Securities available for sale | 7,748,000 | 7,302,000 | 7,262,000 | 7,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,582,000 | 33,531,000 | 35,129,000 | 37,597,000 |
| Interest-bearing deposits | 30,185,000 | 31,372,000 | 32,707,000 | 34,982,000 |
| Noninterest-bearing deposits | 2,397,000 | 2,159,000 | 2,422,000 | 2,615,000 |
| Equity capital | 3,801,000 | 3,860,000 | 3,793,000 | 3,832,000 |
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 | 539,000 | 1,126,000 | 1,757,000 | 2,429,000 |
| Interest expense | 204,000 | 446,000 | 730,000 | 1,043,000 |
| Net interest income | 335,000 | 680,000 | 1,027,000 | 1,386,000 |
| Noninterest income | 21,000 | 52,000 | 79,000 | 107,000 |
| Noninterest expense | 253,000 | 525,000 | 788,000 | 1,020,000 |
| Provision for loan losses | 2,000 | 11,000 | 23,000 | 67,000 |
| Pretax income | 101,000 | 196,000 | 295,000 | 406,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 22,000 |
| Net income | 97,000 | 188,000 | 283,000 | 384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,461,000 | 3,552,000 | 3,523,000 | 3,626,000 |
| Total capital | 3,750,000 | 3,850,000 | 3,834,000 | 3,965,000 |
| Risk-weighted assets | 31,063,000 | 33,473,000 | 36,005,000 | 35,235,000 |