Call reports 2005
ELKVILLE STATE BANK — 2005
What ELKVILLE 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 | 17,602,000 | 18,048,000 | 18,375,000 | 18,524,000 |
| Total loans | 2,680,000 | 2,686,000 | 2,851,000 | 2,653,000 |
| Allowance for loan losses | 87,000 | 85,000 | 85,000 | 85,000 |
| Securities available for sale | 13,521,000 | 14,041,000 | 13,423,000 | 14,184,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,810,000 | 14,946,000 | 15,350,000 | 15,661,000 |
| Interest-bearing deposits | 12,127,000 | 12,019,000 | 12,062,000 | 12,044,000 |
| Noninterest-bearing deposits | 2,683,000 | 2,927,000 | 3,288,000 | 3,617,000 |
| Equity capital | 2,750,000 | 3,070,000 | 2,992,000 | 2,822,000 |
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 | 195,000 | 392,000 | 595,000 | 810,000 |
| Interest expense | 51,000 | 105,000 | 162,000 | 224,000 |
| Net interest income | 144,000 | 287,000 | 433,000 | 586,000 |
| Noninterest income | 19,000 | 33,000 | 52,000 | 68,000 |
| Noninterest expense | 81,000 | 139,000 | 203,000 | 441,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 82,000 | 181,000 | 282,000 | 213,000 |
| Income tax | 10,000 | 18,000 | 26,000 | 41,000 |
| Net income | 72,000 | 163,000 | 256,000 | 172,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,042,000 | 3,130,000 | 3,223,000 | 3,127,000 |
| Total capital | 3,119,000 | 3,208,000 | 3,302,000 | 3,206,000 |
| Risk-weighted assets | 6,142,000 | 6,207,000 | 6,346,000 | 6,305,000 |