Call reports 2005
STATE EXCHANGE BANK, THE — 2005
What STATE EXCHANGE BANK, THE 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 | 28,198,000 | 30,583,000 | 30,497,000 | 31,671,000 |
| Total loans | 22,027,000 | 23,913,000 | 23,995,000 | 25,545,000 |
| Allowance for loan losses | 449,000 | 478,000 | 481,000 | 452,000 |
| Securities available for sale | 5,085,000 | 5,193,000 | 5,429,000 | 5,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,324,000 | 27,844,000 | 27,017,000 | 27,861,000 |
| Interest-bearing deposits | 22,965,000 | 24,213,000 | 24,473,000 | 24,695,000 |
| Noninterest-bearing deposits | 2,358,000 | 3,631,000 | 2,545,000 | 3,165,000 |
| Equity capital | 2,009,000 | 2,099,000 | 2,219,000 | 2,057,000 |
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 | 434,000 | 918,000 | 1,447,000 | 2,023,000 |
| Interest expense | 103,000 | 247,000 | 402,000 | 589,000 |
| Net interest income | 331,000 | 671,000 | 1,045,000 | 1,434,000 |
| Noninterest income | 14,000 | 18,000 | 45,000 | 75,000 |
| Noninterest expense | 195,000 | 390,000 | 593,000 | 854,000 |
| Provision for loan losses | 30,000 | 91,000 | 117,000 | 169,000 |
| Pretax income | 120,000 | 203,000 | 375,000 | 481,000 |
| Income tax | 8,000 | 14,000 | 60,000 | 160,000 |
| Net income | 112,000 | 189,000 | 315,000 | 321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,042,000 | 2,119,000 | 2,245,000 | 2,111,000 |
| Total capital | 2,308,000 | 2,415,000 | 2,541,000 | 2,426,000 |
| Risk-weighted assets | 21,120,000 | 23,482,000 | 23,497,000 | 25,079,000 |