Call reports 2005
STATE BANK OF TOWER — 2005
What STATE BANK OF TOWER 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 | 48,966,000 | 46,699,000 | 49,570,000 | 48,149,000 |
| Total loans | 37,088,000 | 40,111,000 | 41,855,000 | 42,695,000 |
| Allowance for loan losses | 347,000 | 347,000 | 354,000 | 369,000 |
| Securities available for sale | 996,000 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,176,000 | 42,896,000 | 45,608,000 | 43,825,000 |
| Interest-bearing deposits | 35,920,000 | 32,451,000 | 34,707,000 | 33,667,000 |
| Noninterest-bearing deposits | 9,256,000 | 10,445,000 | 10,901,000 | 10,158,000 |
| Equity capital | 3,752,000 | 3,767,000 | 3,921,000 | 4,112,000 |
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 | 663,000 | 1,361,000 | 2,110,000 | 2,868,000 |
| Interest expense | 135,000 | 289,000 | 445,000 | 625,000 |
| Net interest income | 528,000 | 1,072,000 | 1,665,000 | 2,243,000 |
| Noninterest income | 154,000 | 327,000 | 526,000 | 736,000 |
| Noninterest expense | 475,000 | 1,010,000 | 1,511,000 | 2,027,000 |
| Provision for loan losses | 6,000 | 12,000 | 25,000 | 40,000 |
| Pretax income | 201,000 | 377,000 | 655,000 | 912,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 201,000 | 377,000 | 655,000 | 912,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,752,000 | 3,767,000 | 3,921,000 | 4,112,000 |
| Total capital | 4,099,000 | 4,114,000 | 4,275,000 | 4,481,000 |
| Risk-weighted assets | 38,028,000 | 39,303,000 | 40,581,000 | 40,539,000 |