Call reports 2005
STATE BANK OF CARBONDALE — 2005
What STATE BANK OF CARBONDALE 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 | 16,822,000 | 15,166,000 | 14,892,000 | 14,889,000 |
| Total loans | 8,588,000 | 8,859,000 | 9,045,000 | 8,804,000 |
| Allowance for loan losses | 128,000 | 125,000 | 125,000 | 125,000 |
| Securities available for sale | 4,658,000 | 4,864,000 | 4,353,000 | 4,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,367,000 | 13,557,000 | 13,386,000 | 13,372,000 |
| Interest-bearing deposits | 12,725,000 | 10,850,000 | 10,778,000 | 10,700,000 |
| Noninterest-bearing deposits | 2,642,000 | 2,707,000 | 2,608,000 | 2,672,000 |
| Equity capital | 1,282,000 | 1,314,000 | 1,318,000 | 1,329,000 |
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 | 196,000 | 400,000 | 604,000 | 815,000 |
| Interest expense | 52,000 | 105,000 | 158,000 | 213,000 |
| Net interest income | 144,000 | 295,000 | 446,000 | 602,000 |
| Noninterest income | 31,000 | 58,000 | 92,000 | 129,000 |
| Noninterest expense | 161,000 | 323,000 | 490,000 | 669,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 14,000 | 30,000 | 48,000 | 62,000 |
| Income tax | 1,000 | 4,000 | 7,000 | 9,000 |
| Net income | 13,000 | 26,000 | 41,000 | 53,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,322,000 | 1,334,000 | 1,350,000 | 1,362,000 |
| Total capital | 1,435,000 | 1,444,000 | 1,461,000 | 1,470,000 |
| Risk-weighted assets | 9,030,000 | 8,805,000 | 8,891,000 | 8,628,000 |