Call reports 2005
STATE BANK OF DELPHOS — 2005
What STATE BANK OF DELPHOS 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 | 29,239,000 | 28,997,000 | 29,305,000 | 30,102,000 |
| Total loans | 22,257,000 | 21,828,000 | 22,559,000 | 23,007,000 |
| Allowance for loan losses | 453,000 | 450,000 | 454,000 | 446,000 |
| Securities available for sale | 2,906,000 | 2,941,000 | 2,657,000 | 2,639,000 |
| Securities held to maturity | 1,336,000 | 1,597,000 | 1,464,000 | 1,422,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,464,000 | 22,748,000 | 22,414,000 | 24,227,000 |
| Interest-bearing deposits | 20,666,000 | 19,983,000 | 20,198,000 | 21,239,000 |
| Noninterest-bearing deposits | 2,798,000 | 2,765,000 | 2,216,000 | 2,988,000 |
| Equity capital | 2,500,000 | 2,550,000 | 2,528,000 | 2,643,000 |
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 | 412,000 | 837,000 | 1,282,000 | 1,724,000 |
| Interest expense | 138,000 | 287,000 | 451,000 | 626,000 |
| Net interest income | 274,000 | 550,000 | 831,000 | 1,098,000 |
| Noninterest income | 16,000 | 65,000 | 144,000 | 220,000 |
| Noninterest expense | 249,000 | 491,000 | 740,000 | 951,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 41,000 | 124,000 | 235,000 | 367,000 |
| Income tax | 0 | 0 | 11,000 | 12,000 |
| Net income | 41,000 | 124,000 | 224,000 | 355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,540,000 | 2,554,000 | 2,565,000 | 2,695,000 |
| Total capital | 2,826,000 | 2,829,000 | 2,847,000 | 2,985,000 |
| Risk-weighted assets | 22,288,000 | 21,799,000 | 22,351,000 | 23,035,000 |