Call reports 2005
STANDARD BANK — 2005
What STANDARD 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 | 259,395,000 | 265,269,000 | 268,372,000 | 264,914,000 |
| Total loans | 111,467,000 | 114,381,000 | 120,868,000 | 126,356,000 |
| Allowance for loan losses | 1,582,000 | 1,580,000 | 1,580,000 | 1,577,000 |
| Securities available for sale | 81,213,000 | 82,733,000 | 77,149,000 | 70,761,000 |
| Securities held to maturity | 45,501,000 | 45,031,000 | 42,157,000 | 39,846,000 |
| Trading assets | 108,000 | 113,000 | 86,000 | 94,000 |
| Total deposits | 195,906,000 | 200,999,000 | 199,596,000 | 196,136,000 |
| Interest-bearing deposits | 182,244,000 | 191,547,000 | 186,497,000 | 187,321,000 |
| Noninterest-bearing deposits | 13,662,000 | 9,452,000 | 13,099,000 | 8,815,000 |
| Equity capital | 35,692,000 | 36,312,000 | 35,768,000 | 36,099,000 |
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 | 2,864,000 | 5,860,000 | 8,920,000 | 12,043,000 |
| Interest expense | 1,450,000 | 3,071,000 | 4,795,000 | 6,630,000 |
| Net interest income | 1,414,000 | 2,789,000 | 4,125,000 | 5,413,000 |
| Noninterest income | 311,000 | 633,000 | 988,000 | 1,312,000 |
| Noninterest expense | 1,506,000 | 3,028,000 | 4,511,000 | 6,029,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 215,000 | 394,000 | 575,000 | 678,000 |
| Income tax | -11,000 | -35,000 | -58,000 | -123,000 |
| Net income | 226,000 | 429,000 | 633,000 | 801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,159,000 | 33,380,000 | 33,602,000 | 33,788,000 |
| Total capital | 35,939,000 | 36,211,000 | 36,230,000 | 36,597,000 |
| Risk-weighted assets | 132,503,000 | 132,486,000 | 136,362,000 | 139,512,000 |