Call reports 2005
PEARLAND STATE BANK — 2005
What PEARLAND 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 | 115,554,000 | 110,272,000 | 111,317,000 | 113,411,000 |
| Total loans | 43,599,000 | 44,404,000 | 44,883,000 | 46,547,000 |
| Allowance for loan losses | 509,000 | 503,000 | 492,000 | 483,000 |
| Securities available for sale | 58,329,000 | 58,211,000 | 54,486,000 | 54,760,000 |
| Securities held to maturity | 1,826,000 | 1,757,000 | 1,063,000 | 853,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,582,000 | 93,766,000 | 95,306,000 | 97,317,000 |
| Interest-bearing deposits | 66,487,000 | 60,544,000 | 61,384,000 | 64,315,000 |
| Noninterest-bearing deposits | 33,095,000 | 33,222,000 | 33,922,000 | 33,002,000 |
| Equity capital | 15,663,000 | 15,505,000 | 15,449,000 | 15,729,000 |
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 | 1,423,000 | 2,882,000 | 4,345,000 | 5,876,000 |
| Interest expense | 187,000 | 404,000 | 636,000 | 892,000 |
| Net interest income | 1,236,000 | 2,478,000 | 3,709,000 | 4,984,000 |
| Noninterest income | 304,000 | 627,000 | 948,000 | 1,262,000 |
| Noninterest expense | 713,000 | 1,427,000 | 2,146,000 | 2,857,000 |
| Provision for loan losses | 0 | 10,000 | 17,000 | 22,000 |
| Pretax income | 827,000 | 1,668,000 | 2,494,000 | 3,367,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 827,000 | 1,668,000 | 2,494,000 | 3,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,071,000 | 15,593,000 | 15,747,000 | 16,621,000 |
| Total capital | 16,580,000 | 16,096,000 | 16,239,000 | 17,104,000 |
| Risk-weighted assets | 59,611,000 | 58,795,000 | 58,380,000 | 60,218,000 |