Call reports 2005
SMITH COUNTY STATE BANK AND TRUST COMPANY, THE — 2005
What SMITH COUNTY STATE BANK AND TRUST COMPANY, 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 | 59,917,000 | 58,809,000 | 57,815,000 | 59,572,000 |
| Total loans | 26,296,000 | 24,809,000 | 24,093,000 | 26,529,000 |
| Allowance for loan losses | 541,000 | 538,000 | 530,000 | 532,000 |
| Securities available for sale | 4,454,000 | 4,450,000 | 4,532,000 | 4,667,000 |
| Securities held to maturity | 23,630,000 | 23,961,000 | 24,515,000 | 25,556,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,749,000 | 51,460,000 | 50,459,000 | 52,400,000 |
| Interest-bearing deposits | 47,047,000 | 45,603,000 | 45,013,000 | 45,778,000 |
| Noninterest-bearing deposits | 5,702,000 | 5,857,000 | 5,446,000 | 6,622,000 |
| Equity capital | 6,897,000 | 7,000,000 | 6,972,000 | 7,048,000 |
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 | 715,000 | 1,430,000 | 2,139,000 | 2,870,000 |
| Interest expense | 220,000 | 442,000 | 667,000 | 899,000 |
| Net interest income | 495,000 | 988,000 | 1,472,000 | 1,971,000 |
| Noninterest income | 363,000 | 758,000 | 1,105,000 | 1,598,000 |
| Noninterest expense | 652,000 | 1,310,000 | 2,008,000 | 2,764,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 200,000 | 424,000 | 551,000 | 781,000 |
| Income tax | 8,000 | 17,000 | 25,000 | 27,000 |
| Net income | 192,000 | 407,000 | 526,000 | 754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,886,000 | 6,971,000 | 6,960,000 | 7,058,000 |
| Total capital | 7,284,000 | 7,351,000 | 7,323,000 | 7,448,000 |
| Risk-weighted assets | 31,696,000 | 30,206,000 | 28,879,000 | 31,067,000 |