Call reports 2005
FIRST STATE BANK OF ROUND LAKE — 2005
What FIRST STATE BANK OF ROUND LAKE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Total assets | 128,607,000 | 133,673,000 | 135,050,000 |
| Total loans | 70,650,000 | 64,803,000 | 65,433,000 |
| Allowance for loan losses | 834,000 | 835,000 | 835,000 |
| Securities available for sale | 29,412,000 | 35,284,000 | 42,408,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 104,160,000 | 109,565,000 | 110,846,000 |
| Interest-bearing deposits | 93,047,000 | 98,077,000 | 99,580,000 |
| Noninterest-bearing deposits | 11,113,000 | 11,488,000 | 11,266,000 |
| Equity capital | 21,937,000 | 21,853,000 | 21,999,000 |
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 |
|---|---|---|---|
| Interest income | 1,578,000 | 2,959,000 | 4,330,000 |
| Interest expense | 330,000 | 763,000 | 1,275,000 |
| Net interest income | 1,248,000 | 2,196,000 | 3,055,000 |
| Noninterest income | 143,000 | 297,000 | 483,000 |
| Noninterest expense | 725,000 | 1,507,000 | 2,263,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | 666,000 | 986,000 | 1,275,000 |
| Income tax | 231,000 | 330,000 | 413,000 |
| Net income | 435,000 | 656,000 | 862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Tier 1 capital | 10,087,000 | 10,025,000 | 10,347,000 |
| Total capital | 10,921,000 | 10,860,000 | 11,182,000 |
| Risk-weighted assets | 88,214,000 | 82,650,000 | 84,254,000 |