Call reports 2005
DECATUR STATE BANK — 2005
What DECATUR 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 | 173,306,000 | 166,778,000 | 173,344,000 | 188,975,000 |
| Total loans | 112,460,000 | 113,201,000 | 117,745,000 | 120,831,000 |
| Allowance for loan losses | 1,673,000 | 1,698,000 | 1,534,000 | 1,191,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 50,608,000 | 44,345,000 | 44,342,000 | 53,347,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,393,000 | 114,006,000 | 111,834,000 | 126,850,000 |
| Interest-bearing deposits | 104,083,000 | 96,577,000 | 94,994,000 | 111,163,000 |
| Noninterest-bearing deposits | 17,310,000 | 17,429,000 | 16,840,000 | 15,687,000 |
| Equity capital | 19,461,000 | 19,853,000 | 19,753,000 | 20,540,000 |
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 | 2,501,000 | 5,048,000 | 7,695,000 | 10,484,000 |
| Interest expense | 753,000 | 1,615,000 | 2,576,000 | 3,666,000 |
| Net interest income | 1,748,000 | 3,433,000 | 5,119,000 | 6,818,000 |
| Noninterest income | 393,000 | 797,000 | 1,238,000 | 1,635,000 |
| Noninterest expense | 1,157,000 | 2,121,000 | 3,475,000 | 4,687,000 |
| Provision for loan losses | 73,000 | 126,000 | 197,000 | 293,000 |
| Pretax income | 911,000 | 1,983,000 | 2,685,000 | 3,473,000 |
| Income tax | 6,000 | 8,000 | 10,000 | 11,000 |
| Net income | 905,000 | 1,975,000 | 2,675,000 | 3,462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,461,000 | 19,853,000 | 19,753,000 | 20,540,000 |
| Total capital | 20,919,000 | 21,308,000 | 21,265,000 | 21,731,000 |
| Risk-weighted assets | 116,461,000 | 115,376,000 | 120,901,000 | 125,689,000 |