Call reports 2005
STATE BANK OF DRUMMOND — 2005
What STATE BANK OF DRUMMOND 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 | 37,793,000 | 39,085,000 | 41,208,000 | 40,968,000 |
| Total loans | 25,343,000 | 26,841,000 | 27,507,000 | 27,580,000 |
| Allowance for loan losses | 292,000 | 293,000 | 317,000 | 357,000 |
| Securities available for sale | 8,089,000 | 7,732,000 | 8,013,000 | 8,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,361,000 | 33,646,000 | 36,201,000 | 34,146,000 |
| Interest-bearing deposits | 27,499,000 | 29,190,000 | 30,897,000 | 28,858,000 |
| Noninterest-bearing deposits | 4,862,000 | 4,456,000 | 5,304,000 | 5,288,000 |
| Equity capital | 4,590,000 | 4,756,000 | 4,809,000 | 4,670,000 |
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 | 503,000 | 1,048,000 | 1,625,000 | 2,213,000 |
| Interest expense | 98,000 | 225,000 | 374,000 | 534,000 |
| Net interest income | 405,000 | 823,000 | 1,251,000 | 1,679,000 |
| Noninterest income | 50,000 | 102,000 | 165,000 | 224,000 |
| Noninterest expense | 343,000 | 575,000 | 932,000 | 1,339,000 |
| Provision for loan losses | 5,000 | 10,000 | 36,000 | 90,000 |
| Pretax income | 107,000 | 340,000 | 448,000 | 474,000 |
| Income tax | 12,000 | 65,000 | 82,000 | 82,000 |
| Net income | 95,000 | 275,000 | 366,000 | 392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,631,000 | 4,746,000 | 4,837,000 | 4,730,000 |
| Total capital | 4,923,000 | 5,039,000 | 5,154,000 | 5,053,000 |
| Risk-weighted assets | 23,651,000 | 25,482,000 | 25,827,000 | 25,843,000 |