Call reports 2005
STATE BANK OF PEARL CITY, THE — 2005
What STATE BANK OF PEARL CITY, THE 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 | 34,197,000 | 34,053,000 | 34,528,000 | 36,123,000 |
| Total loans | 17,628,000 | 17,877,000 | 17,761,000 | 17,491,000 |
| Allowance for loan losses | 278,000 | 288,000 | 288,000 | 304,000 |
| Securities available for sale | 14,253,000 | 14,472,000 | 14,358,000 | 14,182,000 |
| Securities held to maturity | 86,000 | 86,000 | 65,000 | 65,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,282,000 | 29,785,000 | 30,301,000 | 32,102,000 |
| Interest-bearing deposits | 26,564,000 | 26,226,000 | 26,764,000 | 27,663,000 |
| Noninterest-bearing deposits | 3,718,000 | 3,559,000 | 3,537,000 | 4,439,000 |
| Equity capital | 3,751,000 | 4,105,000 | 4,055,000 | 3,868,000 |
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 | 462,000 | 945,000 | 1,441,000 | 1,936,000 |
| Interest expense | 148,000 | 311,000 | 489,000 | 682,000 |
| Net interest income | 314,000 | 634,000 | 952,000 | 1,254,000 |
| Noninterest income | 12,000 | 28,000 | 39,000 | 51,000 |
| Noninterest expense | 209,000 | 422,000 | 636,000 | 849,000 |
| Provision for loan losses | 15,000 | 20,000 | 25,000 | 40,000 |
| Pretax income | 102,000 | 220,000 | 330,000 | 416,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 102,000 | 220,000 | 330,000 | 416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,242,000 | 4,277,000 | 4,344,000 | 4,334,000 |
| Total capital | 4,436,000 | 4,472,000 | 4,575,000 | 4,570,000 |
| Risk-weighted assets | 15,428,000 | 15,517,000 | 18,441,000 | 18,816,000 |