Call reports 2005
SAND RIDGE BANK — 2005
What SAND RIDGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Total assets | 889,121,000 | 901,759,000 |
| Total loans | 603,293,000 | 615,456,000 |
| Allowance for loan losses | 8,074,000 | 7,919,000 |
| Securities available for sale | 188,925,000 | 188,610,000 |
| Securities held to maturity | 7,987,000 | 12,123,000 |
| Trading assets | 0 | 0 |
| Total deposits | 707,320,000 | 705,192,000 |
| Interest-bearing deposits | 586,491,000 | 584,804,000 |
| Noninterest-bearing deposits | 120,829,000 | 120,388,000 |
| Equity capital | 64,795,000 | 65,099,000 |
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 |
|---|---|---|
| Interest income | 11,270,000 | 22,777,000 |
| Interest expense | 3,715,000 | 7,680,000 |
| Net interest income | 7,555,000 | 15,097,000 |
| Noninterest income | 3,193,000 | 6,257,000 |
| Noninterest expense | 6,584,000 | 13,250,000 |
| Provision for loan losses | 150,000 | 150,000 |
| Pretax income | 4,016,000 | 7,956,000 |
| Income tax | 1,319,000 | 2,558,000 |
| Net income | 2,697,000 | 5,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Tier 1 capital | 61,687,000 | 61,336,000 |
| Total capital | 68,634,000 | 68,460,000 |
| Risk-weighted assets | 554,641,000 | 568,707,000 |