Call reports 2005
PIQUA STATE BANK — 2005
What PIQUA STATE BANK 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 | 21,759,000 | 21,079,000 | 21,231,000 | 21,783,000 |
| Total loans | 9,466,000 | 9,686,000 | 9,546,000 | 9,723,000 |
| Allowance for loan losses | 144,000 | 146,000 | 161,000 | 174,000 |
| Securities available for sale | 6,183,000 | 5,996,000 | 5,587,000 | 5,863,000 |
| Securities held to maturity | 3,739,000 | 3,735,000 | 3,831,000 | 3,818,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,437,000 | 18,682,000 | 18,805,000 | 19,411,000 |
| Interest-bearing deposits | 14,701,000 | 14,295,000 | 13,809,000 | 13,608,000 |
| Noninterest-bearing deposits | 4,736,000 | 4,387,000 | 4,996,000 | 5,803,000 |
| Equity capital | 2,196,000 | 2,280,000 | 2,318,000 | 2,235,000 |
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 | 264,000 | 534,000 | 810,000 | 1,082,000 |
| Interest expense | 58,000 | 116,000 | 180,000 | 240,000 |
| Net interest income | 206,000 | 418,000 | 630,000 | 842,000 |
| Noninterest income | 33,000 | 62,000 | 101,000 | 136,000 |
| Noninterest expense | 196,000 | 401,000 | 596,000 | 825,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 43,000 | 79,000 | 135,000 | 153,000 |
| Income tax | 1,000 | 4,000 | 7,000 | 25,000 |
| Net income | 42,000 | 75,000 | 128,000 | 128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,267,000 | 2,300,000 | 2,353,000 | 2,296,000 |
| Total capital | 2,411,000 | 2,444,000 | 2,492,000 | 2,440,000 |
| Risk-weighted assets | 12,654,000 | 11,534,000 | 11,091,000 | 11,475,000 |