Call reports 2005
PERRY STATE BANK — 2005
What PERRY 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 | 138,471,000 | 139,394,000 | 142,215,000 | 144,130,000 |
| Total loans | 103,749,000 | 107,575,000 | 109,326,000 | 112,858,000 |
| Allowance for loan losses | 1,275,000 | 1,218,000 | 1,215,000 | 1,304,000 |
| Securities available for sale | 17,727,000 | 20,722,000 | 20,172,000 | 19,119,000 |
| Securities held to maturity | 582,000 | 543,000 | 506,000 | 470,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,993,000 | 126,028,000 | 124,269,000 | 123,775,000 |
| Interest-bearing deposits | 112,241,000 | 113,917,000 | 110,561,000 | 111,826,000 |
| Noninterest-bearing deposits | 12,752,000 | 12,111,000 | 13,708,000 | 11,949,000 |
| Equity capital | 12,146,000 | 12,476,000 | 12,827,000 | 12,747,000 |
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 | 1,860,000 | 3,834,000 | 5,942,000 | 8,175,000 |
| Interest expense | 584,000 | 1,235,000 | 1,950,000 | 2,780,000 |
| Net interest income | 1,276,000 | 2,599,000 | 3,992,000 | 5,395,000 |
| Noninterest income | 233,000 | 502,000 | 787,000 | 1,103,000 |
| Noninterest expense | 976,000 | 1,931,000 | 2,927,000 | 4,026,000 |
| Provision for loan losses | 118,000 | 242,000 | 255,000 | 368,000 |
| Pretax income | 415,000 | 928,000 | 1,597,000 | 2,104,000 |
| Income tax | 126,000 | 288,000 | 507,000 | 663,000 |
| Net income | 289,000 | 640,000 | 1,090,000 | 1,441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,711,000 | 11,016,000 | 11,420,000 | 11,425,000 |
| Total capital | 11,986,000 | 12,234,000 | 12,635,000 | 12,729,000 |
| Risk-weighted assets | 109,483,000 | 112,960,000 | 115,482,000 | 118,993,000 |