Call reports 2005
DEFIANCE STATE BANK — 2005
What DEFIANCE 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 | 20,570,000 | 21,448,000 | 22,462,000 | 22,628,000 |
| Total loans | 13,866,000 | 14,882,000 | 16,165,000 | 16,233,000 |
| Allowance for loan losses | 150,000 | 180,000 | 180,000 | 173,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 130,000 | 127,000 | 124,000 | 21,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,772,000 | 14,846,000 | 16,048,000 | 17,134,000 |
| Interest-bearing deposits | 15,070,000 | 14,102,000 | 15,305,000 | 15,791,000 |
| Noninterest-bearing deposits | 702,000 | 744,000 | 743,000 | 1,343,000 |
| Equity capital | 1,929,000 | 1,896,000 | 1,965,000 | 1,928,000 |
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 | 290,000 | 588,000 | 924,000 | 1,261,000 |
| Interest expense | 73,000 | 163,000 | 275,000 | 387,000 |
| Net interest income | 217,000 | 425,000 | 649,000 | 874,000 |
| Noninterest income | 15,000 | 38,000 | 65,000 | 92,000 |
| Noninterest expense | 165,000 | 344,000 | 524,000 | 811,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 69,000 | 119,000 | 190,000 | 155,000 |
| Income tax | 0 | 3,000 | 5,000 | 7,000 |
| Net income | 69,000 | 116,000 | 185,000 | 148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,929,000 | 1,896,000 | 1,965,000 | 1,928,000 |
| Total capital | 2,079,000 | 2,076,000 | 2,145,000 | 2,101,000 |
| Risk-weighted assets | 14,105,000 | 15,287,000 | 16,385,000 | 16,475,000 |