Call reports 2005
COPPER STAR BANK — 2005
What COPPER STAR 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 | 145,833,000 | 151,260,000 | 153,636,000 | 161,038,000 |
| Total loans | 126,803,000 | 126,063,000 | 132,495,000 | 145,994,000 |
| Allowance for loan losses | 1,334,000 | 1,483,000 | 1,505,000 | 1,647,000 |
| Securities available for sale | 9,371,000 | 11,104,000 | 9,614,000 | 6,135,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,532,000 | 126,068,000 | 121,859,000 | 133,889,000 |
| Interest-bearing deposits | 104,712,000 | 110,150,000 | 103,107,000 | 109,352,000 |
| Noninterest-bearing deposits | 12,820,000 | 15,917,000 | 18,752,000 | 24,537,000 |
| Equity capital | 15,318,000 | 15,479,000 | 15,743,000 | 16,128,000 |
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 | 2,395,000 | 5,134,000 | 7,995,000 | 11,072,000 |
| Interest expense | 723,000 | 1,582,000 | 2,455,000 | 3,424,000 |
| Net interest income | 1,672,000 | 3,552,000 | 5,540,000 | 7,648,000 |
| Noninterest income | 132,000 | 276,000 | 371,000 | 525,000 |
| Noninterest expense | 1,336,000 | 2,788,000 | 4,228,000 | 5,508,000 |
| Provision for loan losses | 126,000 | 304,000 | 334,000 | 484,000 |
| Pretax income | 342,000 | 735,000 | 1,348,000 | 2,180,000 |
| Income tax | 136,000 | 290,000 | 530,000 | 876,000 |
| Net income | 206,000 | 445,000 | 818,000 | 1,304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,350,000 | 15,499,000 | 15,773,000 | 16,156,000 |
| Total capital | 16,691,000 | 17,018,000 | 17,311,000 | 17,844,000 |
| Risk-weighted assets | 130,504,000 | 132,352,000 | 136,489,000 | 148,943,000 |