Call reports 2005
DURAND STATE BANK — 2005
What DURAND 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 | 73,415,000 | 75,362,000 | 76,964,000 | 74,583,000 |
| Total loans | 39,747,000 | 41,848,000 | 42,083,000 | 42,856,000 |
| Allowance for loan losses | 464,000 | 476,000 | 463,000 | 438,000 |
| Securities available for sale | 25,561,000 | 25,933,000 | 25,738,000 | 25,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,602,000 | 64,081,000 | 65,724,000 | 64,589,000 |
| Interest-bearing deposits | 58,751,000 | 58,450,000 | 59,659,000 | 59,433,000 |
| Noninterest-bearing deposits | 4,850,000 | 5,631,000 | 6,066,000 | 5,156,000 |
| Equity capital | 5,924,000 | 6,271,000 | 6,266,000 | 6,060,000 |
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 | 945,000 | 1,947,000 | 2,950,000 | 3,998,000 |
| Interest expense | 311,000 | 640,000 | 1,024,000 | 1,437,000 |
| Net interest income | 634,000 | 1,307,000 | 1,926,000 | 2,561,000 |
| Noninterest income | 98,000 | 147,000 | 256,000 | 343,000 |
| Noninterest expense | 554,000 | 1,113,000 | 1,670,000 | 2,213,000 |
| Provision for loan losses | 50,000 | 72,000 | 111,000 | 132,000 |
| Pretax income | 128,000 | 269,000 | 401,000 | 559,000 |
| Income tax | 24,000 | 37,000 | 57,000 | 108,000 |
| Net income | 104,000 | 232,000 | 344,000 | 451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,149,000 | 6,277,000 | 6,390,000 | 6,357,000 |
| Total capital | 6,613,000 | 6,753,000 | 6,853,000 | 6,795,000 |
| Risk-weighted assets | 50,004,000 | 51,714,000 | 52,216,000 | 52,469,000 |