Call reports 2005
STATE BANK — 2005
What 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 | 138,048,000 | 138,907,000 | 136,327,000 | 136,939,000 |
| Total loans | 84,867,000 | 87,449,000 | 86,641,000 | 87,026,000 |
| Allowance for loan losses | 1,167,000 | 1,173,000 | 1,158,000 | 1,151,000 |
| Securities available for sale | 42,938,000 | 41,567,000 | 37,514,000 | 37,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,805,000 | 108,190,000 | 110,348,000 | 113,101,000 |
| Interest-bearing deposits | 99,790,000 | 96,098,000 | 97,717,000 | 95,289,000 |
| Noninterest-bearing deposits | 12,014,000 | 12,092,000 | 12,631,000 | 17,812,000 |
| Equity capital | 15,670,000 | 16,138,000 | 16,250,000 | 16,189,000 |
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 | 1,748,000 | 3,578,000 | 5,415,000 | 7,245,000 |
| Interest expense | 613,000 | 1,272,000 | 1,996,000 | 2,729,000 |
| Net interest income | 1,135,000 | 2,306,000 | 3,419,000 | 4,516,000 |
| Noninterest income | 162,000 | 377,000 | 596,000 | 803,000 |
| Noninterest expense | 764,000 | 1,456,000 | 2,103,000 | 2,883,000 |
| Provision for loan losses | 0 | 0 | 0 | 130,000 |
| Pretax income | 534,000 | 1,228,000 | 2,056,000 | 2,450,000 |
| Income tax | 26,000 | 60,000 | 100,000 | 119,000 |
| Net income | 508,000 | 1,168,000 | 1,956,000 | 2,331,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,308,000 | 13,668,000 | 14,156,000 | 14,079,000 |
| Total capital | 14,453,000 | 14,779,000 | 15,274,000 | 15,195,000 |
| Risk-weighted assets | 95,100,000 | 98,744,000 | 95,820,000 | 94,807,000 |