Call reports 2005
SECURITY STATE BANK OF SEBEKA — 2005
What SECURITY STATE BANK OF SEBEKA 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 | 23,403,000 | 24,346,000 | 25,232,000 | 24,487,000 |
| Total loans | 12,875,000 | 13,024,000 | 12,460,000 | 11,762,000 |
| Allowance for loan losses | 362,000 | 369,000 | 407,000 | 312,000 |
| Securities available for sale | 4,714,000 | 4,309,000 | 4,958,000 | 8,730,000 |
| Securities held to maturity | 1,990,000 | 1,990,000 | 2,144,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,160,000 | 21,938,000 | 21,240,000 | 20,768,000 |
| Interest-bearing deposits | 17,763,000 | 17,899,000 | 17,626,000 | 17,235,000 |
| Noninterest-bearing deposits | 3,398,000 | 4,039,000 | 3,614,000 | 3,533,000 |
| Equity capital | 2,202,000 | 2,320,000 | 3,913,000 | 3,675,000 |
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 | 346,000 | 649,000 | 231,000 | 554,000 |
| Interest expense | 77,000 | 158,000 | 66,000 | 163,000 |
| Net interest income | 269,000 | 491,000 | 165,000 | 391,000 |
| Noninterest income | 27,000 | 47,000 | 17,000 | 51,000 |
| Noninterest expense | 163,000 | 348,000 | 130,000 | 335,000 |
| Provision for loan losses | -3,000 | -35,000 | 0 | 18,000 |
| Pretax income | 136,000 | 225,000 | 52,000 | 89,000 |
| Income tax | 0 | 0 | 15,000 | 0 |
| Net income | 136,000 | 225,000 | 37,000 | 89,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,261,000 | 2,331,000 | 2,250,000 | 2,324,000 |
| Total capital | 2,416,000 | 2,488,000 | 2,423,000 | 2,485,000 |
| Risk-weighted assets | 12,196,000 | 12,495,000 | 13,605,000 | 12,755,000 |