Call reports 2005
BANK OF STRONGHURST — 2005
What BANK OF STRONGHURST 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 | 61,484,000 | 61,771,000 | 61,966,000 | 64,204,000 |
| Total loans | 16,041,000 | 16,772,000 | 17,337,000 | 18,113,000 |
| Allowance for loan losses | 313,000 | 313,000 | 286,000 | 294,000 |
| Securities available for sale | 39,643,000 | 40,508,000 | 40,559,000 | 40,110,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,434,000 | 50,327,000 | 50,618,000 | 53,071,000 |
| Interest-bearing deposits | 46,918,000 | 47,174,000 | 47,683,000 | 49,407,000 |
| Noninterest-bearing deposits | 3,516,000 | 3,153,000 | 2,935,000 | 3,664,000 |
| Equity capital | 10,854,000 | 11,199,000 | 11,113,000 | 10,770,000 |
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 | 674,000 | 1,369,000 | 2,086,000 | 2,827,000 |
| Interest expense | 253,000 | 524,000 | 823,000 | 1,158,000 |
| Net interest income | 421,000 | 845,000 | 1,263,000 | 1,669,000 |
| Noninterest income | 23,000 | 49,000 | 75,000 | 106,000 |
| Noninterest expense | 372,000 | 755,000 | 1,128,000 | 1,487,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 72,000 | 139,000 | 210,000 | 288,000 |
| Income tax | 16,000 | 26,000 | 42,000 | 48,000 |
| Net income | 56,000 | 113,000 | 168,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,311,000 | 11,368,000 | 11,423,000 | 11,362,000 |
| Total capital | 11,614,000 | 11,670,000 | 11,709,000 | 11,656,000 |
| Risk-weighted assets | 24,261,000 | 24,138,000 | 24,779,000 | 25,758,000 |