Call reports 2005
SHARON BANK — 2005
What SHARON 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 | 185,660,000 | 182,919,000 | 183,541,000 | 183,059,000 |
| Total loans | 104,929,000 | 105,805,000 | 105,288,000 | 106,295,000 |
| Allowance for loan losses | 190,000 | 192,000 | 192,000 | 190,000 |
| Securities available for sale | 10,931,000 | 10,705,000 | 11,704,000 | 11,474,000 |
| Securities held to maturity | 53,466,000 | 50,184,000 | 47,812,000 | 46,943,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,516,000 | 141,904,000 | 133,193,000 | 130,613,000 |
| Interest-bearing deposits | 145,898,000 | 136,476,000 | 127,535,000 | 124,524,000 |
| Noninterest-bearing deposits | 5,618,000 | 5,428,000 | 5,658,000 | 6,089,000 |
| Equity capital | 20,453,000 | 20,612,000 | 20,685,000 | 20,592,000 |
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 | 2,112,000 | 4,226,000 | 6,350,000 | 8,443,000 |
| Interest expense | 822,000 | 1,654,000 | 2,544,000 | 3,543,000 |
| Net interest income | 1,290,000 | 2,572,000 | 3,806,000 | 4,900,000 |
| Noninterest income | 95,000 | 203,000 | 310,000 | 412,000 |
| Noninterest expense | 1,088,000 | 2,160,000 | 3,214,000 | 4,254,000 |
| Provision for loan losses | 0 | 2,000 | 2,000 | 4,000 |
| Pretax income | 313,000 | 770,000 | 1,057,000 | 1,211,000 |
| Income tax | 67,000 | 189,000 | 269,000 | 284,000 |
| Net income | 246,000 | 581,000 | 788,000 | 927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,433,000 | 20,535,000 | 20,625,000 | 20,662,000 |
| Total capital | 20,623,000 | 20,727,000 | 20,817,000 | 20,852,000 |
| Risk-weighted assets | 91,588,000 | 91,733,000 | 91,929,000 | 92,274,000 |