Call reports 2005
BLENCOE STATE BANK — 2005
What BLENCOE 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 | 20,625,000 | 21,726,000 | 23,747,000 | 21,713,000 |
| Total loans | 13,787,000 | 15,010,000 | 15,511,000 | 15,379,000 |
| Allowance for loan losses | 217,000 | 222,000 | 226,000 | 222,000 |
| Securities available for sale | 5,988,000 | 5,585,000 | 6,514,000 | 4,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,354,000 | 17,664,000 | 21,430,000 | 19,003,000 |
| Interest-bearing deposits | 14,285,000 | 14,163,000 | 17,908,000 | 14,982,000 |
| Noninterest-bearing deposits | 4,069,000 | 3,501,000 | 3,522,000 | 4,021,000 |
| Equity capital | 2,060,000 | 2,113,000 | 2,155,000 | 2,096,000 |
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 | 280,000 | 566,000 | 883,000 | 1,206,000 |
| Interest expense | 59,000 | 128,000 | 217,000 | 305,000 |
| Net interest income | 221,000 | 438,000 | 666,000 | 901,000 |
| Noninterest income | 29,000 | 65,000 | 109,000 | 151,000 |
| Noninterest expense | 174,000 | 357,000 | 542,000 | 733,000 |
| Provision for loan losses | 5,000 | 11,000 | 16,000 | 20,000 |
| Pretax income | 71,000 | 135,000 | 212,000 | 294,000 |
| Income tax | 17,000 | 35,000 | 65,000 | 91,000 |
| Net income | 54,000 | 100,000 | 147,000 | 203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,091,000 | 2,138,000 | 2,184,000 | 2,141,000 |
| Total capital | 2,278,000 | 2,336,000 | 2,389,000 | 2,334,000 |
| Risk-weighted assets | 14,907,000 | 15,821,000 | 16,372,000 | 15,414,000 |