Call reports 2005
STATE BANK OF SLATER — 2005
What STATE BANK OF SLATER 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 | 36,538,000 | 35,556,000 | 34,279,000 | 34,603,000 |
| Total loans | 25,866,000 | 26,527,000 | 26,032,000 | 26,644,000 |
| Allowance for loan losses | 299,000 | 299,000 | 304,000 | 304,000 |
| Securities available for sale | 6,830,000 | 6,270,000 | 5,437,000 | 5,115,000 |
| Securities held to maturity | 483,000 | 480,000 | 479,000 | 649,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,216,000 | 31,142,000 | 29,755,000 | 29,437,000 |
| Interest-bearing deposits | 27,987,000 | 27,023,000 | 25,835,000 | 25,702,000 |
| Noninterest-bearing deposits | 4,229,000 | 4,119,000 | 3,920,000 | 3,735,000 |
| Equity capital | 3,646,000 | 3,760,000 | 3,738,000 | 3,768,000 |
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 | 458,000 | 937,000 | 1,421,000 | 1,931,000 |
| Interest expense | 112,000 | 232,000 | 362,000 | 510,000 |
| Net interest income | 346,000 | 705,000 | 1,059,000 | 1,421,000 |
| Noninterest income | 20,000 | 41,000 | 60,000 | 95,000 |
| Noninterest expense | 238,000 | 483,000 | 756,000 | 1,100,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 128,000 | 263,000 | 363,000 | 416,000 |
| Income tax | 44,000 | 92,000 | 128,000 | 146,000 |
| Net income | 84,000 | 171,000 | 235,000 | 270,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,706,000 | 3,793,000 | 3,786,000 | 3,821,000 |
| Total capital | 4,005,000 | 4,092,000 | 4,090,000 | 4,125,000 |
| Risk-weighted assets | 26,155,000 | 26,692,000 | 26,462,000 | 27,099,000 |