Call reports 2005
BATH STATE BANK — 2005
What BATH 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 | 107,252,000 | 113,181,000 | 115,536,000 | 118,078,000 |
| Total loans | 83,032,000 | 86,425,000 | 90,794,000 | 91,990,000 |
| Allowance for loan losses | 935,000 | 955,000 | 980,000 | 987,000 |
| Securities available for sale | 12,089,000 | 12,746,000 | 11,999,000 | 13,043,000 |
| Securities held to maturity | 3,421,000 | 3,210,000 | 3,005,000 | 2,711,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,701,000 | 86,555,000 | 90,535,000 | 92,096,000 |
| Interest-bearing deposits | 80,193,000 | 82,392,000 | 86,197,000 | 86,851,000 |
| Noninterest-bearing deposits | 4,508,000 | 4,163,000 | 4,337,000 | 5,245,000 |
| Equity capital | 9,004,000 | 9,250,000 | 9,549,000 | 9,611,000 |
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 | 1,616,000 | 3,345,000 | 5,160,000 | 7,050,000 |
| Interest expense | 703,000 | 1,468,000 | 2,327,000 | 3,225,000 |
| Net interest income | 913,000 | 1,877,000 | 2,833,000 | 3,825,000 |
| Noninterest income | 88,000 | 217,000 | 485,000 | 779,000 |
| Noninterest expense | 647,000 | 1,338,000 | 2,073,000 | 2,871,000 |
| Provision for loan losses | 21,000 | 42,000 | 76,000 | 88,000 |
| Pretax income | 333,000 | 714,000 | 1,170,000 | 1,646,000 |
| Income tax | 92,000 | 199,000 | 336,000 | 466,000 |
| Net income | 241,000 | 515,000 | 834,000 | 1,180,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,910,000 | 9,110,000 | 9,428,000 | 9,512,000 |
| Total capital | 9,845,000 | 10,065,000 | 10,408,000 | 10,499,000 |
| Risk-weighted assets | 84,445,000 | 88,217,000 | 92,989,000 | 94,322,000 |