Call reports 2005
AUBURN STATE BANK — 2005
What AUBURN 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 | 69,957,000 | 71,090,000 | 73,347,000 | 71,873,000 |
| Total loans | 38,646,000 | 42,540,000 | 44,996,000 | 45,124,000 |
| Allowance for loan losses | 568,000 | 535,000 | 532,000 | 533,000 |
| Securities available for sale | 18,686,000 | 18,589,000 | 17,511,000 | 16,534,000 |
| Securities held to maturity | 4,453,000 | 4,612,000 | 4,477,000 | 4,402,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,613,000 | 55,846,000 | 53,052,000 | 55,520,000 |
| Interest-bearing deposits | 50,189,000 | 49,754,000 | 47,618,000 | 49,556,000 |
| Noninterest-bearing deposits | 6,424,000 | 6,092,000 | 5,434,000 | 5,964,000 |
| Equity capital | 12,786,000 | 13,098,000 | 13,292,000 | 13,317,000 |
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 | 882,000 | 1,795,000 | 2,774,000 | 3,778,000 |
| Interest expense | 230,000 | 481,000 | 769,000 | 1,112,000 |
| Net interest income | 652,000 | 1,314,000 | 2,005,000 | 2,666,000 |
| Noninterest income | 80,000 | 165,000 | 248,000 | 339,000 |
| Noninterest expense | 409,000 | 813,000 | 1,267,000 | 1,771,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 323,000 | 666,000 | 986,000 | 1,234,000 |
| Income tax | 80,000 | 160,000 | 239,000 | 359,000 |
| Net income | 243,000 | 506,000 | 747,000 | 875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,962,000 | 13,225,000 | 13,466,000 | 13,594,000 |
| Total capital | 13,454,000 | 13,757,000 | 13,998,000 | 14,127,000 |
| Risk-weighted assets | 39,323,000 | 42,737,000 | 45,385,000 | 44,834,000 |