Call reports 2005
CASTROVILLE STATE BANK — 2005
What CASTROVILLE 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 | 70,949,000 | 70,381,000 | 73,445,000 | 78,067,000 |
| Total loans | 27,920,000 | 28,800,000 | 30,207,000 | 31,023,000 |
| Allowance for loan losses | 396,000 | 398,000 | 397,000 | 394,000 |
| Securities available for sale | 33,627,000 | 33,367,000 | 35,090,000 | 36,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,209,000 | 63,358,000 | 66,357,000 | 71,246,000 |
| Interest-bearing deposits | 56,259,000 | 54,771,000 | 56,549,000 | 61,272,000 |
| Noninterest-bearing deposits | 7,950,000 | 8,587,000 | 9,808,000 | 9,973,000 |
| Equity capital | 6,633,000 | 6,943,000 | 6,986,000 | 6,752,000 |
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 | 777,000 | 1,580,000 | 2,423,000 | 3,323,000 |
| Interest expense | 261,000 | 531,000 | 837,000 | 1,176,000 |
| Net interest income | 516,000 | 1,049,000 | 1,586,000 | 2,147,000 |
| Noninterest income | 118,000 | 244,000 | 361,000 | 477,000 |
| Noninterest expense | 379,000 | 768,000 | 1,149,000 | 1,553,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 255,000 | 525,000 | 798,000 | 1,071,000 |
| Income tax | 70,000 | 147,000 | 222,000 | 299,000 |
| Net income | 185,000 | 378,000 | 576,000 | 772,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,925,000 | 7,057,000 | 7,195,000 | 7,137,000 |
| Total capital | 7,321,000 | 7,455,000 | 7,592,000 | 7,531,000 |
| Risk-weighted assets | 35,259,000 | 35,628,000 | 37,388,000 | 39,225,000 |