Call reports 2005
BONHAM STATE BANK — 2005
What BONHAM 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 | 96,668,000 | 97,017,000 | 93,088,000 | 95,980,000 |
| Total loans | 43,367,000 | 43,367,000 | 43,705,000 | 42,726,000 |
| Allowance for loan losses | 446,000 | 470,000 | 433,000 | 451,000 |
| Securities available for sale | 21,561,000 | 20,017,000 | 20,261,000 | 21,076,000 |
| Securities held to maturity | 18,101,000 | 19,578,000 | 19,140,000 | 18,511,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,734,000 | 86,707,000 | 81,582,000 | 85,888,000 |
| Interest-bearing deposits | 68,276,000 | 69,069,000 | 63,009,000 | 65,659,000 |
| Noninterest-bearing deposits | 18,458,000 | 17,638,000 | 18,573,000 | 20,229,000 |
| Equity capital | 9,045,000 | 9,348,000 | 9,564,000 | 9,057,000 |
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 | 1,126,000 | 2,281,000 | 3,433,000 | 4,605,000 |
| Interest expense | 328,000 | 696,000 | 1,074,000 | 1,475,000 |
| Net interest income | 798,000 | 1,585,000 | 2,359,000 | 3,130,000 |
| Noninterest income | 168,000 | 350,000 | 548,000 | 735,000 |
| Noninterest expense | 601,000 | 1,244,000 | 1,904,000 | 2,504,000 |
| Provision for loan losses | 19,000 | 45,000 | 71,000 | 101,000 |
| Pretax income | 342,000 | 631,000 | 917,000 | 1,245,000 |
| Income tax | 80,000 | 139,000 | 192,000 | 269,000 |
| Net income | 262,000 | 492,000 | 725,000 | 976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,322,000 | 9,552,000 | 9,785,000 | 9,325,000 |
| Total capital | 9,768,000 | 10,022,000 | 10,218,000 | 9,776,000 |
| Risk-weighted assets | 48,699,000 | 48,301,000 | 47,830,000 | 47,437,000 |