Call reports 2005
SCOTTDALE BANK & TRUST CO. THE — 2005
What SCOTTDALE BANK & TRUST CO. THE 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 | 186,300,000 | 185,567,000 | 181,276,000 | 174,868,000 |
| Total loans | 62,922,000 | 62,316,000 | 60,469,000 | 53,268,000 |
| Allowance for loan losses | 721,000 | 754,000 | 795,000 | 856,000 |
| Securities available for sale | 93,276,000 | 94,515,000 | 91,640,000 | 87,963,000 |
| Securities held to maturity | 15,357,000 | 15,301,000 | 13,814,000 | 12,893,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,945,000 | 146,523,000 | 142,610,000 | 136,318,000 |
| Interest-bearing deposits | 125,139,000 | 121,996,000 | 115,356,000 | 113,262,000 |
| Noninterest-bearing deposits | 22,806,000 | 24,527,000 | 27,254,000 | 23,056,000 |
| Equity capital | 36,406,000 | 37,006,000 | 36,792,000 | 36,924,000 |
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 | 1,984,000 | 3,885,000 | 5,712,000 | 7,554,000 |
| Interest expense | 572,000 | 1,153,000 | 1,730,000 | 2,302,000 |
| Net interest income | 1,412,000 | 2,732,000 | 3,982,000 | 5,252,000 |
| Noninterest income | 112,000 | 176,000 | 287,000 | 404,000 |
| Noninterest expense | 930,000 | 1,977,000 | 3,091,000 | 4,126,000 |
| Provision for loan losses | 30,000 | 60,000 | 100,000 | 160,000 |
| Pretax income | 564,000 | 873,000 | 1,080,000 | 1,372,000 |
| Income tax | 136,000 | 187,000 | 186,000 | 228,000 |
| Net income | 428,000 | 686,000 | 894,000 | 1,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,276,000 | 34,534,000 | 34,742,000 | 34,992,000 |
| Total capital | 34,997,000 | 35,288,000 | 35,537,000 | 35,848,000 |
| Risk-weighted assets | 108,311,000 | 108,185,000 | 105,104,000 | 97,897,000 |