Call reports 2005
BANK OF ST. FRANCISVILLE — 2005
What BANK OF ST. FRANCISVILLE 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 | 50,843,000 | 50,876,000 | 54,836,000 | 62,105,000 |
| Total loans | 34,778,000 | 34,319,000 | 36,511,000 | 37,013,000 |
| Allowance for loan losses | 827,000 | 863,000 | 852,000 | 778,000 |
| Securities available for sale | 6,820,000 | 8,554,000 | 8,026,000 | 10,625,000 |
| Securities held to maturity | 257,000 | 257,000 | 255,000 | 255,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,671,000 | 45,634,000 | 49,287,000 | 56,869,000 |
| Interest-bearing deposits | 32,902,000 | 31,761,000 | 33,947,000 | 41,602,000 |
| Noninterest-bearing deposits | 12,769,000 | 13,873,000 | 15,340,000 | 15,267,000 |
| Equity capital | 4,206,000 | 4,186,000 | 4,398,000 | 4,237,000 |
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 | 805,000 | 1,629,000 | 2,460,000 | 3,393,000 |
| Interest expense | 124,000 | 261,000 | 419,000 | 611,000 |
| Net interest income | 681,000 | 1,368,000 | 2,041,000 | 2,782,000 |
| Noninterest income | 241,000 | 472,000 | 696,000 | 908,000 |
| Noninterest expense | 637,000 | 1,241,000 | 1,858,000 | 2,527,000 |
| Provision for loan losses | 36,000 | 72,000 | 72,000 | 72,000 |
| Pretax income | 249,000 | 527,000 | 807,000 | 1,091,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 249,000 | 527,000 | 807,000 | 1,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,430,000 | 4,308,000 | 4,588,000 | 4,472,000 |
| Total capital | 4,843,000 | 4,717,000 | 5,014,000 | 4,914,000 |
| Risk-weighted assets | 32,600,000 | 32,251,000 | 33,661,000 | 35,023,000 |