Call reports 2005
SIDELL STATE BANK — 2005
What SIDELL 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 | 26,288,000 | 25,792,000 | 22,973,000 | 25,315,000 |
| Total loans | 10,669,000 | 10,670,000 | 11,113,000 | 10,674,000 |
| Allowance for loan losses | 544,000 | 544,000 | 532,000 | 533,000 |
| Securities available for sale | 8,084,000 | 7,490,000 | 6,637,000 | 7,163,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,770,000 | 23,221,000 | 20,327,000 | 22,554,000 |
| Interest-bearing deposits | 17,289,000 | 16,863,000 | 14,810,000 | 16,011,000 |
| Noninterest-bearing deposits | 6,481,000 | 6,358,000 | 5,517,000 | 6,543,000 |
| Equity capital | 2,456,000 | 2,499,000 | 2,538,000 | 2,598,000 |
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 | 306,000 | 594,000 | 906,000 | 1,220,000 |
| Interest expense | 56,000 | 116,000 | 192,000 | 273,000 |
| Net interest income | 250,000 | 478,000 | 714,000 | 947,000 |
| Noninterest income | 41,000 | 71,000 | 115,000 | 153,000 |
| Noninterest expense | 271,000 | 491,000 | 707,000 | 935,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 20,000 | 58,000 | 119,000 | 162,000 |
| Income tax | 0 | 7,000 | 24,000 | 0 |
| Net income | 20,000 | 51,000 | 95,000 | 162,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,497,000 | 2,528,000 | 2,572,000 | 2,639,000 |
| Total capital | 2,662,000 | 2,698,000 | 2,746,000 | 2,809,000 |
| Risk-weighted assets | 12,808,000 | 13,224,000 | 13,559,000 | 13,276,000 |