Call reports 2005
ERIE STATE BANK — 2005
What ERIE 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 | 18,382,000 | 18,096,000 | 19,017,000 | 18,412,000 |
| Total loans | 11,668,000 | 13,263,000 | 13,639,000 | 13,266,000 |
| Allowance for loan losses | 193,000 | 204,000 | 217,000 | 183,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,840,000 | 2,830,000 | 2,821,000 | 2,084,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,915,000 | 15,635,000 | 15,557,000 | 14,979,000 |
| Interest-bearing deposits | 14,350,000 | 14,174,000 | 14,084,000 | 13,340,000 |
| Noninterest-bearing deposits | 1,565,000 | 1,461,000 | 1,473,000 | 1,639,000 |
| Equity capital | 2,419,000 | 2,398,000 | 2,401,000 | 2,381,000 |
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 | 249,000 | 488,000 | 736,000 | 992,000 |
| Interest expense | 62,000 | 125,000 | 196,000 | 283,000 |
| Net interest income | 187,000 | 363,000 | 540,000 | 709,000 |
| Noninterest income | 13,000 | 28,000 | 42,000 | 58,000 |
| Noninterest expense | 119,000 | 238,000 | 357,000 | 475,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 66,000 |
| Pretax income | 63,000 | 117,000 | 171,000 | 226,000 |
| Income tax | 4,000 | 4,000 | 5,000 | 5,000 |
| Net income | 59,000 | 113,000 | 166,000 | 221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,419,000 | 2,398,000 | 2,401,000 | 2,381,000 |
| Total capital | 2,547,000 | 2,535,000 | 2,545,000 | 2,524,000 |
| Risk-weighted assets | 10,187,000 | 10,900,000 | 11,448,000 | 11,392,000 |