Call reports 2005
STATE BANK OF COKATO — 2005
What STATE BANK OF COKATO 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 | 68,802,000 | 66,274,000 | 58,939,000 | 58,929,000 |
| Total loans | 57,503,000 | 51,614,000 | 46,183,000 | 48,399,000 |
| Allowance for loan losses | 1,732,000 | 1,263,000 | 1,797,000 | 1,089,000 |
| Securities available for sale | 6,066,000 | 5,907,000 | 7,110,000 | 6,553,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,856,000 | 55,130,000 | 53,127,000 | 52,555,000 |
| Interest-bearing deposits | 47,886,000 | 43,713,000 | 43,892,000 | 42,526,000 |
| Noninterest-bearing deposits | 9,970,000 | 11,417,000 | 9,235,000 | 10,029,000 |
| Equity capital | 3,815,000 | 4,048,000 | 3,692,000 | 3,664,000 |
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 | 1,054,000 | 2,098,000 | 2,915,000 | 3,815,000 |
| Interest expense | 344,000 | 690,000 | 1,022,000 | 1,312,000 |
| Net interest income | 710,000 | 1,408,000 | 1,893,000 | 2,503,000 |
| Noninterest income | 129,000 | 279,000 | 422,000 | 534,000 |
| Noninterest expense | 628,000 | 1,400,000 | 2,107,000 | 2,819,000 |
| Provision for loan losses | 190,000 | 709,000 | 1,286,000 | 1,286,000 |
| Pretax income | 16,000 | -427,000 | -1,083,000 | -1,073,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 16,000 | -427,000 | -1,083,000 | -1,073,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,910,000 | 4,092,000 | 3,762,000 | 3,770,000 |
| Total capital | 4,581,000 | 4,724,000 | 4,325,000 | 4,353,000 |
| Risk-weighted assets | 52,624,000 | 49,188,000 | 44,725,000 | 47,242,000 |