Call reports 2005
SECURITY STATE BANK OF SHELDON — 2005
What SECURITY STATE BANK OF SHELDON 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 | 57,211,000 | 59,317,000 | 56,291,000 | 60,919,000 |
| Total loans | 44,992,000 | 47,352,000 | 44,332,000 | 48,337,000 |
| Allowance for loan losses | 938,000 | 937,000 | 899,000 | 865,000 |
| Securities available for sale | 4,118,000 | 3,692,000 | 3,744,000 | 3,767,000 |
| Securities held to maturity | 920,000 | 1,113,000 | 1,106,000 | 1,100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,064,000 | 40,303,000 | 39,108,000 | 41,469,000 |
| Interest-bearing deposits | 32,652,000 | 33,495,000 | 32,684,000 | 33,738,000 |
| Noninterest-bearing deposits | 7,412,000 | 6,808,000 | 6,424,000 | 7,731,000 |
| Equity capital | 7,774,000 | 7,920,000 | 8,092,000 | 6,150,000 |
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 | 721,000 | 1,450,000 | 2,209,000 | 2,963,000 |
| Interest expense | 244,000 | 510,000 | 806,000 | 1,118,000 |
| Net interest income | 477,000 | 940,000 | 1,403,000 | 1,845,000 |
| Noninterest income | 76,000 | 192,000 | 356,000 | 460,000 |
| Noninterest expense | 347,000 | 712,000 | 1,071,000 | 1,517,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 206,000 | 420,000 | 688,000 | 788,000 |
| Income tax | 65,000 | 131,000 | 216,000 | 248,000 |
| Net income | 141,000 | 289,000 | 472,000 | 540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,273,000 | 6,450,000 | 6,662,000 | 4,758,000 |
| Total capital | 6,853,000 | 7,060,000 | 7,233,000 | 5,379,000 |
| Risk-weighted assets | 45,918,000 | 48,215,000 | 45,000,000 | 49,063,000 |