Call reports 2005
JOHNSON STATE BANK — 2005
What JOHNSON 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 | 51,563,000 | 53,289,000 | 52,601,000 | 56,833,000 |
| Total loans | 22,465,000 | 24,068,000 | 23,869,000 | 24,216,000 |
| Allowance for loan losses | 678,000 | 673,000 | 675,000 | 686,000 |
| Securities available for sale | 22,644,000 | 21,107,000 | 21,992,000 | 21,461,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,468,000 | 43,214,000 | 42,240,000 | 48,547,000 |
| Interest-bearing deposits | 33,579,000 | 33,589,000 | 33,168,000 | 37,862,000 |
| Noninterest-bearing deposits | 9,889,000 | 9,625,000 | 9,072,000 | 10,685,000 |
| Equity capital | 8,011,000 | 8,188,000 | 8,239,000 | 8,161,000 |
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 | 594,000 | 1,236,000 | 1,930,000 | 2,664,000 |
| Interest expense | 128,000 | 269,000 | 431,000 | 606,000 |
| Net interest income | 466,000 | 967,000 | 1,499,000 | 2,058,000 |
| Noninterest income | 52,000 | 114,000 | 173,000 | 239,000 |
| Noninterest expense | 444,000 | 859,000 | 1,294,000 | 1,767,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 59,000 | 207,000 | 364,000 | 516,000 |
| Income tax | 2,000 | 13,000 | 16,000 | 23,000 |
| Net income | 57,000 | 194,000 | 348,000 | 493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,189,000 | 8,294,000 | 8,364,000 | 8,419,000 |
| Total capital | 8,693,000 | 8,841,000 | 8,890,000 | 8,957,000 |
| Risk-weighted assets | 40,178,000 | 43,648,000 | 41,946,000 | 42,914,000 |