Call reports 2005
SECURITY STATE BANK — 2005
What SECURITY 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 | 48,895,000 | 47,477,000 | 48,929,000 | 50,060,000 |
| Total loans | 38,219,000 | 39,246,000 | 39,689,000 | 38,653,000 |
| Allowance for loan losses | 455,000 | 485,000 | 516,000 | 529,000 |
| Securities available for sale | 5,606,000 | 5,685,000 | 5,751,000 | 7,276,000 |
| Securities held to maturity | 395,000 | 170,000 | 170,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,461,000 | 41,040,000 | 42,791,000 | 44,122,000 |
| Interest-bearing deposits | 37,882,000 | 35,455,000 | 36,068,000 | 37,278,000 |
| Noninterest-bearing deposits | 5,579,000 | 5,585,000 | 6,723,000 | 6,844,000 |
| Equity capital | 4,707,000 | 4,886,000 | 5,031,000 | 5,103,000 |
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 | 699,000 | 1,435,000 | 2,193,000 | 2,991,000 |
| Interest expense | 184,000 | 394,000 | 623,000 | 885,000 |
| Net interest income | 515,000 | 1,041,000 | 1,570,000 | 2,106,000 |
| Noninterest income | 46,000 | 91,000 | 147,000 | 200,000 |
| Noninterest expense | 316,000 | 636,000 | 949,000 | 1,297,000 |
| Provision for loan losses | 25,000 | 55,000 | 85,000 | 105,000 |
| Pretax income | 220,000 | 441,000 | 683,000 | 904,000 |
| Income tax | 72,000 | 147,000 | 228,000 | 302,000 |
| Net income | 148,000 | 294,000 | 455,000 | 602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,781,000 | 4,927,000 | 5,088,000 | 5,175,000 |
| Total capital | 5,209,000 | 5,359,000 | 5,531,000 | 5,596,000 |
| Risk-weighted assets | 34,178,000 | 34,527,000 | 35,360,000 | 35,418,000 |