Call reports 2005
ROLFE STATE BANK — 2005
What ROLFE 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 | 31,608,000 | 31,549,000 | 31,958,000 | 36,280,000 |
| Total loans | 22,175,000 | 23,132,000 | 23,868,000 | 22,829,000 |
| Allowance for loan losses | 335,000 | 336,000 | 342,000 | 356,000 |
| Securities available for sale | 3,918,000 | 3,532,000 | 3,386,000 | 3,064,000 |
| Securities held to maturity | 2,955,000 | 2,583,000 | 2,580,000 | 2,681,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,294,000 | 28,233,000 | 26,505,000 | 32,917,000 |
| Interest-bearing deposits | 24,611,000 | 24,525,000 | 23,222,000 | 25,358,000 |
| Noninterest-bearing deposits | 3,683,000 | 3,708,000 | 3,283,000 | 7,559,000 |
| Equity capital | 3,159,000 | 3,106,000 | 3,171,000 | 3,245,000 |
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 | 458,000 | 924,000 | 1,409,000 | 1,899,000 |
| Interest expense | 112,000 | 240,000 | 392,000 | 548,000 |
| Net interest income | 346,000 | 684,000 | 1,017,000 | 1,351,000 |
| Noninterest income | 33,000 | 64,000 | 99,000 | 144,000 |
| Noninterest expense | 247,000 | 497,000 | 744,000 | 1,027,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 126,000 | 239,000 | 354,000 | 444,000 |
| Income tax | 41,000 | 77,000 | 115,000 | 127,000 |
| Net income | 85,000 | 162,000 | 239,000 | 317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,198,000 | 3,125,000 | 3,201,000 | 3,280,000 |
| Total capital | 3,493,000 | 3,429,000 | 3,515,000 | 3,593,000 |
| Risk-weighted assets | 23,540,000 | 24,304,000 | 25,119,000 | 25,011,000 |