Call reports 2005
STATE EXCHANGE BANK, THE — 2005
What STATE EXCHANGE BANK, THE 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 | 28,165,000 | 28,127,000 | 27,686,000 | 31,266,000 |
| Total loans | 13,909,000 | 14,878,000 | 14,936,000 | 14,594,000 |
| Allowance for loan losses | 223,000 | 221,000 | 217,000 | 157,000 |
| Securities available for sale | 11,066,000 | 10,377,000 | 9,912,000 | 11,782,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,211,000 | 21,862,000 | 20,897,000 | 25,054,000 |
| Interest-bearing deposits | 19,335,000 | 18,734,000 | 17,614,000 | 20,390,000 |
| Noninterest-bearing deposits | 2,876,000 | 3,128,000 | 3,283,000 | 4,664,000 |
| Equity capital | 2,792,000 | 3,004,000 | 2,941,000 | 3,054,000 |
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 | 375,000 | 745,000 | 1,144,000 | 1,541,000 |
| Interest expense | 122,000 | 284,000 | 422,000 | 558,000 |
| Net interest income | 253,000 | 461,000 | 722,000 | 983,000 |
| Noninterest income | 23,000 | 59,000 | 82,000 | 95,000 |
| Noninterest expense | 180,000 | 299,000 | 471,000 | 700,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 49,000 | 174,000 | 283,000 | 323,000 |
| Income tax | 0 | 9,000 | 9,000 | 19,000 |
| Net income | 49,000 | 165,000 | 274,000 | 304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,850,000 | 2,965,000 | 2,974,000 | 3,004,000 |
| Total capital | 3,058,000 | 3,183,000 | 3,191,000 | 3,161,000 |
| Risk-weighted assets | 16,653,000 | 17,425,000 | 17,434,000 | 18,055,000 |