Call reports 2005
COLCHESTER STATE BANK — 2005
What COLCHESTER 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 | 36,393,000 | 34,617,000 | 34,121,000 | 35,017,000 |
| Total loans | 21,221,000 | 21,302,000 | 21,658,000 | 21,020,000 |
| Allowance for loan losses | 422,000 | 447,000 | 432,000 | 481,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,035,000 | 7,009,000 | 6,605,000 | 6,701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,770,000 | 30,959,000 | 30,482,000 | 31,486,000 |
| Interest-bearing deposits | 26,672,000 | 25,710,000 | 26,110,000 | 27,196,000 |
| Noninterest-bearing deposits | 6,098,000 | 5,249,000 | 4,372,000 | 4,290,000 |
| Equity capital | 3,427,000 | 3,503,000 | 3,484,000 | 3,344,000 |
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 | 436,000 | 854,000 | 1,235,000 | 1,714,000 |
| Interest expense | 133,000 | 277,000 | 432,000 | 607,000 |
| Net interest income | 303,000 | 577,000 | 803,000 | 1,107,000 |
| Noninterest income | 56,000 | 113,000 | 179,000 | 237,000 |
| Noninterest expense | 138,000 | 298,000 | 464,000 | 631,000 |
| Provision for loan losses | 33,000 | 83,000 | 183,000 | 653,000 |
| Pretax income | 188,000 | 309,000 | 335,000 | 60,000 |
| Income tax | 45,000 | 90,000 | 135,000 | 0 |
| Net income | 143,000 | 219,000 | 200,000 | 60,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,427,000 | 3,503,000 | 3,484,000 | 3,344,000 |
| Total capital | 3,692,000 | 3,769,000 | 3,755,000 | 3,607,000 |
| Risk-weighted assets | 21,712,000 | 21,437,000 | 21,641,000 | 21,315,000 |