Call reports 2005
MARKESAN STATE BANK — 2005
What MARKESAN 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 | 70,864,000 | 70,410,000 | 70,787,000 | 73,273,000 |
| Total loans | 41,181,000 | 42,877,000 | 44,092,000 | 44,548,000 |
| Allowance for loan losses | 537,000 | 541,000 | 495,000 | 406,000 |
| Securities available for sale | 22,524,000 | 21,860,000 | 20,655,000 | 19,936,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,016,000 | 55,003,000 | 56,346,000 | 58,867,000 |
| Interest-bearing deposits | 48,835,000 | 46,665,000 | 48,113,000 | 49,640,000 |
| Noninterest-bearing deposits | 8,181,000 | 8,338,000 | 8,233,000 | 9,227,000 |
| Equity capital | 11,654,000 | 11,959,000 | 12,070,000 | 12,057,000 |
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 | 1,073,000 | 2,160,000 | 3,258,000 | 4,381,000 |
| Interest expense | 240,000 | 489,000 | 758,000 | 1,049,000 |
| Net interest income | 833,000 | 1,671,000 | 2,500,000 | 3,332,000 |
| Noninterest income | 62,000 | 142,000 | 214,000 | 305,000 |
| Noninterest expense | 529,000 | 1,041,000 | 1,564,000 | 2,112,000 |
| Provision for loan losses | 50,000 | 62,000 | 62,000 | 62,000 |
| Pretax income | 316,000 | 710,000 | 1,072,000 | 1,447,000 |
| Income tax | 59,000 | 142,000 | 261,000 | 338,000 |
| Net income | 257,000 | 568,000 | 811,000 | 1,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,649,000 | 11,784,000 | 12,026,000 | 12,090,000 |
| Total capital | 12,186,000 | 12,325,000 | 12,521,000 | 12,496,000 |
| Risk-weighted assets | 71,045,000 | 70,338,000 | 70,867,000 | 73,330,000 |