Call reports 2005
CALHOUN COUNTY BANK, INC. — 2005
What CALHOUN COUNTY BANK, INC. 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 | 85,363,000 | 87,210,000 | 87,249,000 | 88,524,000 |
| Total loans | 58,304,000 | 62,246,000 | 62,299,000 | 62,837,000 |
| Allowance for loan losses | 841,000 | 833,000 | 827,000 | 848,000 |
| Securities available for sale | 15,293,000 | 15,814,000 | 15,377,000 | 13,234,000 |
| Securities held to maturity | 863,000 | 694,000 | 694,000 | 694,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,292,000 | 77,826,000 | 77,543,000 | 78,860,000 |
| Interest-bearing deposits | 62,296,000 | 62,891,000 | 61,829,000 | 61,035,000 |
| Noninterest-bearing deposits | 13,996,000 | 14,936,000 | 15,714,000 | 17,825,000 |
| Equity capital | 7,912,000 | 7,997,000 | 8,194,000 | 8,127,000 |
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 | 1,186,000 | 2,451,000 | 3,725,000 | 5,024,000 |
| Interest expense | 375,000 | 770,000 | 1,179,000 | 1,597,000 |
| Net interest income | 811,000 | 1,681,000 | 2,546,000 | 3,427,000 |
| Noninterest income | 165,000 | 344,000 | 528,000 | 713,000 |
| Noninterest expense | 719,000 | 1,429,000 | 2,178,000 | 3,037,000 |
| Provision for loan losses | 75,000 | 75,000 | 81,000 | 150,000 |
| Pretax income | 182,000 | 521,000 | 815,000 | 953,000 |
| Income tax | 62,000 | 179,000 | 266,000 | 313,000 |
| Net income | 120,000 | 342,000 | 549,000 | 640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,945,000 | 8,048,000 | 8,256,000 | 8,197,000 |
| Total capital | 8,617,000 | 8,755,000 | 8,963,000 | 8,908,000 |
| Risk-weighted assets | 53,581,000 | 56,393,000 | 56,420,000 | 56,772,000 |