Call reports 2005
STATE SAVINGS BANK OF MANISTIQUE, THE — 2005
What STATE SAVINGS BANK OF MANISTIQUE, THE 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 | 105,596,000 | 104,216,000 | 106,890,000 | 113,600,000 |
| Total loans | 56,786,000 | 58,238,000 | 58,920,000 | 60,681,000 |
| Allowance for loan losses | 699,000 | 744,000 | 785,000 | 814,000 |
| Securities available for sale | 40,125,000 | 38,977,000 | 39,675,000 | 39,705,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,636,000 | 81,182,000 | 82,518,000 | 88,949,000 |
| Interest-bearing deposits | 76,759,000 | 73,166,000 | 74,374,000 | 79,714,000 |
| Noninterest-bearing deposits | 7,877,000 | 8,016,000 | 8,144,000 | 9,235,000 |
| Equity capital | 9,409,000 | 9,831,000 | 10,011,000 | 9,869,000 |
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 | 1,377,000 | 2,848,000 | 4,311,000 | 5,824,000 |
| Interest expense | 393,000 | 815,000 | 1,297,000 | 1,864,000 |
| Net interest income | 984,000 | 2,033,000 | 3,014,000 | 3,960,000 |
| Noninterest income | 76,000 | 141,000 | 268,000 | 321,000 |
| Noninterest expense | 628,000 | 1,263,000 | 1,878,000 | 2,604,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 387,000 | 821,000 | 1,269,000 | 1,497,000 |
| Income tax | 125,000 | 230,000 | 348,000 | 402,000 |
| Net income | 262,000 | 591,000 | 921,000 | 1,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,173,000 | 9,446,000 | 9,720,000 | 9,766,000 |
| Total capital | 9,872,000 | 10,190,000 | 10,505,000 | 10,580,000 |
| Risk-weighted assets | 67,493,000 | 66,424,000 | 71,480,000 | 73,921,000 |
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