Call reports 2005
STILLMAN BANCCORP, N.A. — 2005
What STILLMAN BANCCORP, N.A. 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 | 273,326,000 | 268,592,000 | 276,008,000 | 283,428,000 |
| Total loans | 152,086,000 | 146,875,000 | 153,447,000 | 160,726,000 |
| Allowance for loan losses | 1,680,000 | 1,808,000 | 1,949,000 | 1,828,000 |
| Securities available for sale | 78,381,000 | 71,898,000 | 74,147,000 | 72,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,662,000 | 218,005,000 | 224,512,000 | 231,842,000 |
| Interest-bearing deposits | 197,994,000 | 190,539,000 | 195,208,000 | 202,460,000 |
| Noninterest-bearing deposits | 26,668,000 | 27,466,000 | 29,304,000 | 29,382,000 |
| Equity capital | 32,660,000 | 32,913,000 | 33,030,000 | 33,414,000 |
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 | 3,554,000 | 7,239,000 | 11,078,000 | 15,149,000 |
| Interest expense | 1,230,000 | 2,416,000 | 3,747,000 | 5,229,000 |
| Net interest income | 2,324,000 | 4,823,000 | 7,331,000 | 9,920,000 |
| Noninterest income | 537,000 | 434,000 | 1,193,000 | 2,068,000 |
| Noninterest expense | 2,230,000 | 4,443,000 | 6,737,000 | 8,884,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 150,000 |
| Pretax income | 556,000 | 661,000 | 1,559,000 | 2,950,000 |
| Income tax | 2,000 | 5,000 | 17,000 | 35,000 |
| Net income | 554,000 | 656,000 | 1,542,000 | 2,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,999,000 | 31,609,000 | 32,313,000 | 33,029,000 |
| Total capital | 33,679,000 | 33,417,000 | 34,262,000 | 34,857,000 |
| Risk-weighted assets | 178,105,000 | 180,379,000 | 188,063,000 | 187,574,000 |