Call reports 2005
DOLORES STATE BANK, THE — 2005
What DOLORES STATE BANK, THE 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 | 82,581,000 | 86,496,000 | 92,269,000 | 89,101,000 |
| Total loans | 45,085,000 | 46,222,000 | 49,077,000 | 49,376,000 |
| Allowance for loan losses | 905,000 | 906,000 | 906,000 | 874,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 31,903,000 | 32,838,000 | 32,178,000 | 33,532,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,978,000 | 76,393,000 | 81,639,000 | 79,168,000 |
| Interest-bearing deposits | 58,930,000 | 62,024,000 | 63,278,000 | 62,361,000 |
| Noninterest-bearing deposits | 14,048,000 | 14,369,000 | 18,361,000 | 16,808,000 |
| Equity capital | 9,384,000 | 9,651,000 | 9,962,000 | 9,871,000 |
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 | 1,057,000 | 2,207,000 | 3,414,000 | 4,641,000 |
| Interest expense | 157,000 | 337,000 | 538,000 | 776,000 |
| Net interest income | 900,000 | 1,870,000 | 2,876,000 | 3,865,000 |
| Noninterest income | 100,000 | 188,000 | 290,000 | 386,000 |
| Noninterest expense | 511,000 | 1,169,000 | 1,811,000 | 2,376,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 489,000 | 889,000 | 1,355,000 | 1,845,000 |
| Income tax | 165,000 | 298,000 | 453,000 | 534,000 |
| Net income | 324,000 | 591,000 | 902,000 | 1,311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,384,000 | 9,651,000 | 9,962,000 | 9,871,000 |
| Total capital | 9,910,000 | 10,202,000 | 10,573,000 | 10,506,000 |
| Risk-weighted assets | 41,727,000 | 43,737,000 | 48,576,000 | 50,545,000 |