Call reports 2005
VIKING STATE BANK & TRUST — 2005
What VIKING STATE BANK & TRUST 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 | 69,274,000 | 74,728,000 | 76,863,000 | 80,742,000 |
| Total loans | 61,190,000 | 64,965,000 | 69,486,000 | 72,276,000 |
| Allowance for loan losses | 591,000 | 612,000 | 642,000 | 657,000 |
| Securities available for sale | 2,649,000 | 3,068,000 | 3,054,000 | 3,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,015,000 | 65,469,000 | 64,111,000 | 65,913,000 |
| Interest-bearing deposits | 55,072,000 | 58,681,000 | 57,833,000 | 57,844,000 |
| Noninterest-bearing deposits | 5,943,000 | 6,788,000 | 6,278,000 | 8,069,000 |
| Equity capital | 6,483,000 | 6,704,000 | 6,939,000 | 6,727,000 |
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 | 958,000 | 2,003,000 | 3,142,000 | 4,388,000 |
| Interest expense | 294,000 | 657,000 | 1,090,000 | 1,605,000 |
| Net interest income | 664,000 | 1,346,000 | 2,052,000 | 2,783,000 |
| Noninterest income | 72,000 | 140,000 | 234,000 | 319,000 |
| Noninterest expense | 327,000 | 711,000 | 1,078,000 | 1,567,000 |
| Provision for loan losses | 0 | 20,000 | 50,000 | 80,000 |
| Pretax income | 409,000 | 755,000 | 1,158,000 | 1,455,000 |
| Income tax | 20,000 | 38,000 | 58,000 | 72,000 |
| Net income | 389,000 | 717,000 | 1,100,000 | 1,383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,493,000 | 6,694,000 | 6,939,000 | 6,737,000 |
| Total capital | 7,084,000 | 7,306,000 | 7,581,000 | 7,394,000 |
| Risk-weighted assets | 59,779,000 | 63,148,000 | 66,445,000 | 71,220,000 |