Call reports 2005
SUTTON BANK — 2005
What SUTTON 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 | 281,569,000 | 281,895,000 | 294,986,000 | 291,996,000 |
| Total loans | 193,536,000 | 198,684,000 | 211,303,000 | 203,922,000 |
| Allowance for loan losses | 2,348,000 | 2,486,000 | 2,402,000 | 2,534,000 |
| Securities available for sale | 56,151,000 | 55,680,000 | 55,173,000 | 53,412,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,839,000 | 243,650,000 | 249,439,000 | 260,933,000 |
| Interest-bearing deposits | 218,947,000 | 216,103,000 | 218,530,000 | 220,809,000 |
| Noninterest-bearing deposits | 28,892,000 | 27,547,000 | 30,909,000 | 40,124,000 |
| Equity capital | 21,366,000 | 22,394,000 | 23,068,000 | 22,254,000 |
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 | 3,686,000 | 7,572,000 | 11,765,000 | 16,164,000 |
| Interest expense | 1,185,000 | 2,463,000 | 3,863,000 | 5,354,000 |
| Net interest income | 2,501,000 | 5,109,000 | 7,902,000 | 10,810,000 |
| Noninterest income | 710,000 | 1,808,000 | 2,534,000 | 3,489,000 |
| Noninterest expense | 2,174,000 | 4,426,000 | 6,632,000 | 9,182,000 |
| Provision for loan losses | 105,000 | 259,000 | 365,000 | 623,000 |
| Pretax income | 932,000 | 2,234,000 | 3,445,000 | 4,500,000 |
| Income tax | 195,000 | 439,000 | 737,000 | 843,000 |
| Net income | 737,000 | 1,795,000 | 2,708,000 | 3,657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,792,000 | 21,607,000 | 22,533,000 | 21,989,000 |
| Total capital | 26,140,000 | 27,093,000 | 27,935,000 | 27,523,000 |
| Risk-weighted assets | 220,491,000 | 225,972,000 | 239,264,000 | 229,725,000 |