Call reports 2005
STATE BANK OF TAUNTON — 2005
What STATE BANK OF TAUNTON 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 | 32,761,000 | 33,295,000 | 33,267,000 | 33,197,000 |
| Total loans | 17,588,000 | 18,746,000 | 19,172,000 | 18,740,000 |
| Allowance for loan losses | 427,000 | 327,000 | 337,000 | 334,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,082,000 | 12,511,000 | 11,820,000 | 12,410,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,468,000 | 28,408,000 | 28,250,000 | 28,185,000 |
| Interest-bearing deposits | 25,204,000 | 26,108,000 | 26,230,000 | 25,516,000 |
| Noninterest-bearing deposits | 2,264,000 | 2,300,000 | 2,020,000 | 2,669,000 |
| Equity capital | 4,617,000 | 4,701,000 | 4,788,000 | 4,787,000 |
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 | 430,000 | 898,000 | 1,386,000 | 1,857,000 |
| Interest expense | 139,000 | 297,000 | 470,000 | 644,000 |
| Net interest income | 291,000 | 601,000 | 916,000 | 1,213,000 |
| Noninterest income | 28,000 | 58,000 | 90,000 | 119,000 |
| Noninterest expense | 186,000 | 369,000 | 556,000 | 837,000 |
| Provision for loan losses | 20,000 | 40,000 | 60,000 | 80,000 |
| Pretax income | 113,000 | 250,000 | 390,000 | 415,000 |
| Income tax | 37,000 | 90,000 | 143,000 | 142,000 |
| Net income | 76,000 | 160,000 | 247,000 | 273,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,617,000 | 4,701,000 | 4,788,000 | 4,787,000 |
| Total capital | 5,032,000 | 4,991,000 | 5,082,000 | 5,105,000 |
| Risk-weighted assets | 33,176,000 | 23,180,000 | 23,478,000 | 25,461,000 |