Call reports 2005
STATE BANK — 2005
What STATE BANK 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 | 105,223,000 | 112,094,000 | 114,442,000 | 121,990,000 |
| Total loans | 80,728,000 | 85,281,000 | 86,437,000 | 84,206,000 |
| Allowance for loan losses | 935,000 | 976,000 | 1,036,000 | 911,000 |
| Securities available for sale | 20,045,000 | 20,701,000 | 20,470,000 | 20,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,807,000 | 99,413,000 | 100,543,000 | 107,085,000 |
| Interest-bearing deposits | 84,861,000 | 89,288,000 | 91,921,000 | 94,026,000 |
| Noninterest-bearing deposits | 8,946,000 | 10,125,000 | 8,622,000 | 13,059,000 |
| Equity capital | 7,665,000 | 8,293,000 | 8,587,000 | 8,773,000 |
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 | 1,362,000 | 2,873,000 | 4,534,000 | 6,262,000 |
| Interest expense | 452,000 | 987,000 | 1,638,000 | 2,350,000 |
| Net interest income | 910,000 | 1,886,000 | 2,896,000 | 3,912,000 |
| Noninterest income | 49,000 | 117,000 | 183,000 | 254,000 |
| Noninterest expense | 457,000 | 910,000 | 1,394,000 | 1,947,000 |
| Provision for loan losses | 40,000 | 81,000 | 141,000 | 266,000 |
| Pretax income | 462,000 | 1,008,000 | 1,540,000 | 1,949,000 |
| Income tax | 159,000 | 349,000 | 531,000 | 673,000 |
| Net income | 303,000 | 659,000 | 1,009,000 | 1,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,772,000 | 8,328,000 | 8,678,000 | 8,946,000 |
| Total capital | 8,707,000 | 9,304,000 | 9,714,000 | 9,857,000 |
| Risk-weighted assets | 86,591,000 | 90,556,000 | 94,315,000 | 93,380,000 |