Call reports 2005
STONE COUNTY NATIONAL BANK — 2005
What STONE COUNTY NATIONAL 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 | 70,774,000 | 71,940,000 | 74,291,000 | 81,441,000 |
| Total loans | 36,119,000 | 36,268,000 | 36,641,000 | 38,490,000 |
| Allowance for loan losses | 494,000 | 510,000 | 484,000 | 502,000 |
| Securities available for sale | 28,771,000 | 28,863,000 | 30,880,000 | 34,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,976,000 | 64,590,000 | 66,981,000 | 74,184,000 |
| Interest-bearing deposits | 53,786,000 | 53,921,000 | 55,283,000 | 63,215,000 |
| Noninterest-bearing deposits | 10,191,000 | 10,669,000 | 11,698,000 | 10,969,000 |
| Equity capital | 6,521,000 | 7,024,000 | 6,941,000 | 6,951,000 |
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 | 889,000 | 1,794,000 | 2,744,000 | 3,769,000 |
| Interest expense | 229,000 | 483,000 | 772,000 | 1,132,000 |
| Net interest income | 660,000 | 1,311,000 | 1,972,000 | 2,637,000 |
| Noninterest income | 93,000 | 192,000 | 321,000 | 441,000 |
| Noninterest expense | 494,000 | 966,000 | 1,506,000 | 2,035,000 |
| Provision for loan losses | 145,000 | 165,000 | 195,000 | 215,000 |
| Pretax income | 115,000 | 372,000 | 592,000 | 828,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 115,000 | 372,000 | 592,000 | 828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,998,000 | 7,188,000 | 7,333,000 | 7,507,000 |
| Total capital | 7,492,000 | 7,667,000 | 7,817,000 | 8,009,000 |
| Risk-weighted assets | 38,777,000 | 38,294,000 | 40,189,000 | 43,050,000 |