Call reports 2005
STRASBURG STATE BANK — 2005
What STRASBURG 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 | 42,933,000 | 43,249,000 | 43,294,000 | 44,439,000 |
| Total loans | 22,332,000 | 24,103,000 | 24,067,000 | 23,363,000 |
| Allowance for loan losses | 242,000 | 264,000 | 251,000 | 276,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,939,000 | 14,343,000 | 14,224,000 | 14,858,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,085,000 | 38,135,000 | 38,149,000 | 39,401,000 |
| Interest-bearing deposits | 33,889,000 | 33,685,000 | 34,366,000 | 35,629,000 |
| Noninterest-bearing deposits | 4,196,000 | 4,450,000 | 3,783,000 | 3,772,000 |
| Equity capital | 4,327,000 | 4,464,000 | 4,390,000 | 4,470,000 |
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 | 569,000 | 1,180,000 | 1,809,000 | 2,460,000 |
| Interest expense | 167,000 | 358,000 | 570,000 | 822,000 |
| Net interest income | 402,000 | 822,000 | 1,239,000 | 1,638,000 |
| Noninterest income | 9,000 | 23,000 | 38,000 | 61,000 |
| Noninterest expense | 241,000 | 495,000 | 746,000 | 1,055,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 170,000 | 350,000 | 531,000 | 619,000 |
| Income tax | 40,000 | 83,000 | 128,000 | 136,000 |
| Net income | 130,000 | 267,000 | 403,000 | 483,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,327,000 | 4,464,000 | 4,390,000 | 4,470,000 |
| Total capital | 4,569,000 | 4,728,000 | 4,641,000 | 4,746,000 |
| Risk-weighted assets | 28,262,000 | 35,432,000 | 36,176,000 | 36,090,000 |