Call reports 2005
SOUTH STORY BANK & TRUST — 2005
What SOUTH STORY BANK & TRUST 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 | 49,100,000 | 47,724,000 | 47,074,000 | 47,215,000 |
| Total loans | 22,185,000 | 23,041,000 | 22,657,000 | 23,147,000 |
| Allowance for loan losses | 318,000 | 315,000 | 313,000 | 331,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 21,553,000 | 21,601,000 | 21,108,000 | 21,190,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,235,000 | 39,680,000 | 38,899,000 | 38,548,000 |
| Interest-bearing deposits | 35,027,000 | 33,919,000 | 32,948,000 | 32,926,000 |
| Noninterest-bearing deposits | 6,207,000 | 5,761,000 | 5,951,000 | 5,623,000 |
| Equity capital | 7,744,000 | 7,893,000 | 8,034,000 | 8,010,000 |
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 | 532,000 | 1,085,000 | 1,634,000 | 2,191,000 |
| Interest expense | 159,000 | 329,000 | 514,000 | 715,000 |
| Net interest income | 373,000 | 756,000 | 1,120,000 | 1,476,000 |
| Noninterest income | 41,000 | 82,000 | 127,000 | 167,000 |
| Noninterest expense | 208,000 | 428,000 | 638,000 | 848,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 206,000 | 410,000 | 609,000 | 795,000 |
| Income tax | 54,000 | 109,000 | 167,000 | 202,000 |
| Net income | 152,000 | 301,000 | 442,000 | 593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,744,000 | 7,893,000 | 8,034,000 | 8,010,000 |
| Total capital | 8,062,000 | 8,208,000 | 8,347,000 | 8,341,000 |
| Risk-weighted assets | 30,977,000 | 30,905,000 | 30,211,000 | 30,387,000 |