Call reports 2005
CHETOPA STATE BANK & TRUST CO — 2005
What CHETOPA STATE BANK & TRUST CO 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 | 27,174,000 | 25,932,000 | 25,062,000 | 24,997,000 |
| Total loans | 20,288,000 | 20,527,000 | 20,101,000 | 20,159,000 |
| Allowance for loan losses | 177,000 | 191,000 | 188,000 | 202,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,488,000 | 3,032,000 | 3,031,000 | 3,031,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,249,000 | 23,964,000 | 22,934,000 | 22,480,000 |
| Interest-bearing deposits | 21,974,000 | 21,385,000 | 20,536,000 | 19,334,000 |
| Noninterest-bearing deposits | 3,275,000 | 2,579,000 | 2,398,000 | 3,146,000 |
| Equity capital | 1,864,000 | 1,914,000 | 1,991,000 | 2,087,000 |
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 | 368,000 | 742,000 | 1,112,000 | 1,478,000 |
| Interest expense | 98,000 | 200,000 | 306,000 | 419,000 |
| Net interest income | 270,000 | 542,000 | 806,000 | 1,059,000 |
| Noninterest income | 38,000 | 80,000 | 126,000 | 168,000 |
| Noninterest expense | 165,000 | 329,000 | 501,000 | 675,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 128,000 | 263,000 | 386,000 | 492,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 25,000 |
| Net income | 123,000 | 253,000 | 371,000 | 467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,864,000 | 1,914,000 | 1,991,000 | 2,087,000 |
| Total capital | 2,041,000 | 2,105,000 | 2,179,000 | 2,289,000 |
| Risk-weighted assets | 17,739,000 | 18,049,000 | 17,443,000 | 17,394,000 |