Call reports 2005
STATE BANK OF FAIRMONT — 2005
What STATE BANK OF FAIRMONT 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 | 71,007,000 | 72,735,000 | 74,042,000 | 72,774,000 |
| Total loans | 47,640,000 | 48,582,000 | 51,099,000 | 51,147,000 |
| Allowance for loan losses | 916,000 | 935,000 | 984,000 | 997,000 |
| Securities available for sale | 19,854,000 | 20,574,000 | 18,634,000 | 18,074,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,305,000 | 60,568,000 | 62,232,000 | 61,815,000 |
| Interest-bearing deposits | 56,480,000 | 56,546,000 | 56,780,000 | 55,759,000 |
| Noninterest-bearing deposits | 4,825,000 | 4,022,000 | 5,452,000 | 6,056,000 |
| Equity capital | 6,685,000 | 7,310,000 | 7,470,000 | 7,023,000 |
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 | 1,007,000 | 2,099,000 | 3,239,000 | 4,410,000 |
| Interest expense | 341,000 | 723,000 | 1,156,000 | 1,600,000 |
| Net interest income | 666,000 | 1,376,000 | 2,083,000 | 2,810,000 |
| Noninterest income | 43,000 | 89,000 | 138,000 | 188,000 |
| Noninterest expense | 333,000 | 686,000 | 1,042,000 | 1,746,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 350,000 | 723,000 | 1,093,000 | 1,136,000 |
| Income tax | 164,000 | 218,000 | 218,000 | 217,000 |
| Net income | 186,000 | 505,000 | 875,000 | 919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,164,000 | 7,480,000 | 7,850,000 | 7,566,000 |
| Total capital | 7,843,000 | 8,176,000 | 8,577,000 | 8,291,000 |
| Risk-weighted assets | 54,046,000 | 55,414,000 | 57,911,000 | 57,765,000 |