Call reports 2005
BANK SNB — 2005
What BANK SNB 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 | 1,958,285,000 | 1,966,204,000 | 2,031,278,000 | 2,023,061,000 |
| Total loans | 1,646,786,000 | 1,658,073,000 | 1,660,836,000 | 1,691,684,000 |
| Allowance for loan losses | 19,351,000 | 20,525,000 | 21,591,000 | 23,437,000 |
| Securities available for sale | 189,531,000 | 208,329,000 | 215,704,000 | 219,469,000 |
| Securities held to maturity | 2,489,000 | 1,589,000 | 1,223,000 | 1,538,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,626,228,000 | 1,634,650,000 | 1,648,125,000 | 1,623,102,000 |
| Interest-bearing deposits | 1,431,922,000 | 1,418,855,000 | 1,425,415,000 | 1,404,743,000 |
| Noninterest-bearing deposits | 194,306,000 | 215,795,000 | 222,710,000 | 218,359,000 |
| Equity capital | 162,320,000 | 170,397,000 | 175,206,000 | 178,929,000 |
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 | 31,373,000 | 63,914,000 | 97,782,000 | 133,807,000 |
| Interest expense | 9,607,000 | 20,667,000 | 33,244,000 | 47,665,000 |
| Net interest income | 21,766,000 | 43,247,000 | 64,538,000 | 86,142,000 |
| Noninterest income | 3,717,000 | 7,890,000 | 12,639,000 | 17,708,000 |
| Noninterest expense | 11,476,000 | 23,595,000 | 35,804,000 | 48,237,000 |
| Provision for loan losses | 4,299,000 | 7,279,000 | 11,409,000 | 15,711,000 |
| Pretax income | 9,708,000 | 20,263,000 | 29,964,000 | 39,902,000 |
| Income tax | 3,482,000 | 7,396,000 | 10,933,000 | 15,685,000 |
| Net income | 6,226,000 | 12,867,000 | 19,031,000 | 24,217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 164,664,000 | 171,270,000 | 177,468,000 | 181,729,000 |
| Total capital | 184,288,000 | 191,431,000 | 197,966,000 | 202,444,000 |
| Risk-weighted assets | 1,568,421,000 | 1,610,083,000 | 1,636,067,000 | 1,650,867,000 |