Call reports 2005
SHERMAN COUNTY BANK — 2005
What SHERMAN COUNTY 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 | 82,194,000 | 83,639,000 | 87,997,000 | 87,065,000 |
| Total loans | 51,650,000 | 54,846,000 | 57,317,000 | 55,295,000 |
| Allowance for loan losses | 1,576,000 | 1,605,000 | 1,618,000 | 1,498,000 |
| Securities available for sale | 21,944,000 | 20,878,000 | 21,372,000 | 21,172,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,704,000 | 56,216,000 | 58,379,000 | 59,524,000 |
| Interest-bearing deposits | 50,338,000 | 51,098,000 | 51,724,000 | 52,332,000 |
| Noninterest-bearing deposits | 5,366,000 | 5,118,000 | 6,655,000 | 7,192,000 |
| Equity capital | 7,723,000 | 7,914,000 | 8,112,000 | 8,089,000 |
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 | 1,264,000 | 2,572,000 | 3,989,000 | 5,422,000 |
| Interest expense | 539,000 | 1,036,000 | 1,646,000 | 2,248,000 |
| Net interest income | 725,000 | 1,536,000 | 2,343,000 | 3,174,000 |
| Noninterest income | 102,000 | 250,000 | 406,000 | 526,000 |
| Noninterest expense | 603,000 | 1,139,000 | 1,733,000 | 2,292,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 225,000 | 660,000 | 1,027,000 | 1,419,000 |
| Income tax | 46,000 | 168,000 | 235,000 | 339,000 |
| Net income | 179,000 | 492,000 | 792,000 | 1,080,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,648,000 | 7,566,000 | 8,046,000 | 8,234,000 |
| Total capital | 8,369,000 | 8,319,000 | 8,843,000 | 9,011,000 |
| Risk-weighted assets | 56,802,000 | 59,551,000 | 63,212,000 | 61,949,000 |