Call reports 2005
FSB BANK — 2005
What FSB 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 | 125,072,000 | 127,178,000 | 132,396,000 | 136,876,000 |
| Total loans | 88,771,000 | 92,366,000 | 95,097,000 | 93,099,000 |
| Allowance for loan losses | 2,131,000 | 2,187,000 | 2,244,000 | 2,266,000 |
| Securities available for sale | 27,987,000 | 28,960,000 | 28,924,000 | 34,792,000 |
| Securities held to maturity | 30,000 | 30,000 | 30,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,355,000 | 103,737,000 | 108,529,000 | 112,611,000 |
| Interest-bearing deposits | 93,911,000 | 91,639,000 | 96,587,000 | 99,264,000 |
| Noninterest-bearing deposits | 11,444,000 | 12,098,000 | 11,942,000 | 13,347,000 |
| Equity capital | 12,853,000 | 13,205,000 | 13,281,000 | 12,706,000 |
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 | 1,858,000 | 3,795,000 | 5,842,000 | 7,938,000 |
| Interest expense | 573,000 | 1,191,000 | 1,893,000 | 2,650,000 |
| Net interest income | 1,285,000 | 2,604,000 | 3,949,000 | 5,288,000 |
| Noninterest income | 185,000 | 387,000 | 608,000 | 811,000 |
| Noninterest expense | 956,000 | 1,935,000 | 2,971,000 | 3,882,000 |
| Provision for loan losses | 45,000 | 90,000 | 140,000 | 192,000 |
| Pretax income | 469,000 | 968,000 | 1,448,000 | 2,027,000 |
| Income tax | 129,000 | 268,000 | 402,000 | 572,000 |
| Net income | 340,000 | 700,000 | 1,046,000 | 1,455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,055,000 | 13,240,000 | 13,411,000 | 12,940,000 |
| Total capital | 14,177,000 | 14,399,000 | 14,616,000 | 14,161,000 |
| Risk-weighted assets | 88,787,000 | 91,674,000 | 95,325,000 | 96,689,000 |