Call reports 2005
ST. MARYS STATE BANK, THE — 2005
What ST. MARYS STATE BANK, 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 | 64,019,000 | 66,540,000 | 67,218,000 | 69,403,000 |
| Total loans | 47,304,000 | 49,272,000 | 49,556,000 | 51,382,000 |
| Allowance for loan losses | 765,000 | 714,000 | 749,000 | 764,000 |
| Securities available for sale | 11,601,000 | 12,187,000 | 11,868,000 | 12,740,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,345,000 | 48,862,000 | 51,167,000 | 52,935,000 |
| Interest-bearing deposits | 42,488,000 | 42,495,000 | 43,480,000 | 43,026,000 |
| Noninterest-bearing deposits | 6,857,000 | 6,367,000 | 7,687,000 | 9,909,000 |
| Equity capital | 6,085,000 | 6,297,000 | 6,410,000 | 6,513,000 |
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 | 863,000 | 1,807,000 | 2,791,000 | 3,818,000 |
| Interest expense | 327,000 | 680,000 | 1,061,000 | 1,452,000 |
| Net interest income | 536,000 | 1,127,000 | 1,730,000 | 2,366,000 |
| Noninterest income | 103,000 | 220,000 | 335,000 | 463,000 |
| Noninterest expense | 436,000 | 901,000 | 1,366,000 | 1,905,000 |
| Provision for loan losses | 22,000 | 45,000 | 85,000 | 130,000 |
| Pretax income | 181,000 | 401,000 | 614,000 | 794,000 |
| Income tax | 13,000 | 23,000 | 32,000 | 41,000 |
| Net income | 168,000 | 378,000 | 582,000 | 753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,184,000 | 6,312,000 | 6,468,000 | 6,639,000 |
| Total capital | 6,816,000 | 6,968,000 | 7,136,000 | 7,326,000 |
| Risk-weighted assets | 50,467,000 | 52,383,000 | 53,388,000 | 54,853,000 |
Machine access — free, no API key
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