Call reports 2005
STATE BANK — 2005
What 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 | 36,941,000 | 36,544,000 | 37,174,000 | 38,692,000 |
| Total loans | 26,670,000 | 24,601,000 | 25,900,000 | 27,803,000 |
| Allowance for loan losses | 334,000 | 349,000 | 364,000 | 418,000 |
| Securities available for sale | 7,938,000 | 7,972,000 | 8,108,000 | 7,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,630,000 | 30,801,000 | 30,380,000 | 30,193,000 |
| Interest-bearing deposits | 24,444,000 | 26,604,000 | 25,825,000 | 24,819,000 |
| Noninterest-bearing deposits | 4,186,000 | 4,197,000 | 4,555,000 | 5,374,000 |
| Equity capital | 3,907,000 | 4,075,000 | 4,296,000 | 3,558,000 |
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 | 456,000 | 1,001,000 | 1,573,000 | 2,187,000 |
| Interest expense | 134,000 | 269,000 | 402,000 | 562,000 |
| Net interest income | 322,000 | 732,000 | 1,171,000 | 1,625,000 |
| Noninterest income | 50,000 | 101,000 | 159,000 | 224,000 |
| Noninterest expense | 232,000 | 444,000 | 652,000 | 862,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 125,000 | 359,000 | 633,000 | 927,000 |
| Income tax | -18,000 | -13,000 | -9,000 | -5,000 |
| Net income | 143,000 | 372,000 | 642,000 | 932,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,803,000 | 3,932,000 | 4,202,000 | 3,493,000 |
| Total capital | 4,137,000 | 4,281,000 | 4,566,000 | 3,907,000 |
| Risk-weighted assets | 30,904,000 | 29,455,000 | 31,054,000 | 33,107,000 |