Call reports 2005
STONE BANK — 2005
What STONE 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 | 13,739,000 | 13,237,000 | 12,976,000 | 13,347,000 |
| Total loans | 7,112,000 | 7,514,000 | 7,479,000 | 7,632,000 |
| Allowance for loan losses | 95,000 | 92,000 | 87,000 | 86,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,037,000 | 4,126,000 | 4,124,000 | 4,121,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,126,000 | 10,509,000 | 10,244,000 | 10,688,000 |
| Interest-bearing deposits | 6,640,000 | 6,165,000 | 5,956,000 | 5,815,000 |
| Noninterest-bearing deposits | 4,486,000 | 4,344,000 | 4,288,000 | 4,873,000 |
| Equity capital | 2,551,000 | 2,605,000 | 2,608,000 | 2,539,000 |
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 | 172,000 | 364,000 | 555,000 | 743,000 |
| Interest expense | 20,000 | 44,000 | 74,000 | 103,000 |
| Net interest income | 152,000 | 320,000 | 481,000 | 640,000 |
| Noninterest income | 28,000 | 53,000 | 67,000 | 88,000 |
| Noninterest expense | 128,000 | 254,000 | 383,000 | 528,000 |
| Provision for loan losses | 0 | 3,000 | 35,000 | 82,000 |
| Pretax income | 52,000 | 116,000 | 130,000 | 118,000 |
| Income tax | 10,000 | 21,000 | 31,000 | 13,000 |
| Net income | 42,000 | 95,000 | 99,000 | 105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,551,000 | 2,605,000 | 2,608,000 | 2,539,000 |
| Total capital | 2,646,000 | 2,697,000 | 2,695,000 | 2,625,000 |
| Risk-weighted assets | 7,661,000 | 7,911,000 | 7,810,000 | 7,933,000 |