Call reports 2005
STATE BANK OF ARTHUR — 2005
What STATE BANK OF ARTHUR 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 | 75,617,000 | 77,104,000 | 77,080,000 | 83,195,000 |
| Total loans | 41,521,000 | 44,463,000 | 46,076,000 | 44,345,000 |
| Allowance for loan losses | 887,000 | 881,000 | 884,000 | 867,000 |
| Securities available for sale | 29,451,000 | 28,771,000 | 27,834,000 | 29,302,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,597,000 | 65,215,000 | 65,108,000 | 71,853,000 |
| Interest-bearing deposits | 51,540,000 | 51,957,000 | 51,366,000 | 56,013,000 |
| Noninterest-bearing deposits | 13,057,000 | 13,258,000 | 13,742,000 | 15,840,000 |
| Equity capital | 10,847,000 | 11,143,000 | 11,249,000 | 11,217,000 |
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 | 1,021,000 | 2,073,000 | 3,176,000 | 4,338,000 |
| Interest expense | 179,000 | 391,000 | 640,000 | 923,000 |
| Net interest income | 842,000 | 1,682,000 | 2,536,000 | 3,415,000 |
| Noninterest income | 74,000 | 181,000 | 279,000 | 373,000 |
| Noninterest expense | 592,000 | 1,144,000 | 1,723,000 | 2,304,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 294,000 | 659,000 | 1,002,000 | 1,364,000 |
| Income tax | 82,000 | 182,000 | 286,000 | 388,000 |
| Net income | 212,000 | 477,000 | 716,000 | 976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,947,000 | 11,153,000 | 11,332,000 | 11,448,000 |
| Total capital | 11,550,000 | 11,782,000 | 11,980,000 | 12,105,000 |
| Risk-weighted assets | 47,932,000 | 50,067,000 | 51,625,000 | 52,331,000 |