Call reports 2005
SUNDOWN STATE BANK — 2005
What SUNDOWN 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 | 64,333,000 | 64,339,000 | 77,124,000 | 77,434,000 |
| Total loans | 29,303,000 | 41,555,000 | 51,430,000 | 40,397,000 |
| Allowance for loan losses | 237,000 | 237,000 | 237,000 | 237,000 |
| Securities available for sale | 117,000 | 121,000 | 120,000 | 119,000 |
| Securities held to maturity | 27,233,000 | 16,763,000 | 16,564,000 | 22,565,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,428,000 | 57,348,000 | 65,425,000 | 72,230,000 |
| Interest-bearing deposits | 37,205,000 | 36,619,000 | 43,206,000 | 46,721,000 |
| Noninterest-bearing deposits | 22,223,000 | 20,729,000 | 22,219,000 | 25,509,000 |
| Equity capital | 4,852,000 | 4,904,000 | 5,316,000 | 5,036,000 |
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 | 812,000 | 1,735,000 | 2,926,000 | 4,166,000 |
| Interest expense | 154,000 | 333,000 | 611,000 | 927,000 |
| Net interest income | 658,000 | 1,402,000 | 2,315,000 | 3,239,000 |
| Noninterest income | 137,000 | 273,000 | 419,000 | 575,000 |
| Noninterest expense | 617,000 | 1,428,000 | 2,064,000 | 2,879,000 |
| Provision for loan losses | 4,000 | 4,000 | 4,000 | 4,000 |
| Pretax income | 174,000 | 243,000 | 666,000 | 931,000 |
| Income tax | 0 | 20,000 | 30,000 | 50,000 |
| Net income | 174,000 | 223,000 | 636,000 | 881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,854,000 | 4,903,000 | 5,316,000 | 5,036,000 |
| Total capital | 5,091,000 | 5,140,000 | 5,553,000 | 5,273,000 |
| Risk-weighted assets | 40,467,000 | 42,729,000 | 52,656,000 | 46,499,000 |