Call reports 2005
STATE BANK, THE — 2005
What STATE BANK, 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 | 55,764,000 | 57,112,000 | 60,643,000 | 62,773,000 |
| Total loans | 37,031,000 | 37,834,000 | 40,738,000 | 42,282,000 |
| Allowance for loan losses | 361,000 | 388,000 | 401,000 | 422,000 |
| Securities available for sale | 11,116,000 | 11,027,000 | 10,738,000 | 10,009,000 |
| Securities held to maturity | 201,000 | 200,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,691,000 | 46,962,000 | 47,897,000 | 52,371,000 |
| Interest-bearing deposits | 37,431,000 | 38,747,000 | 41,023,000 | 44,412,000 |
| Noninterest-bearing deposits | 7,260,000 | 8,215,000 | 6,875,000 | 7,959,000 |
| Equity capital | 6,190,000 | 6,428,000 | 6,550,000 | 6,698,000 |
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 | 810,000 | 1,655,000 | 2,582,000 | 3,583,000 |
| Interest expense | 196,000 | 444,000 | 737,000 | 1,058,000 |
| Net interest income | 614,000 | 1,211,000 | 1,845,000 | 2,525,000 |
| Noninterest income | 103,000 | 216,000 | 334,000 | 531,000 |
| Noninterest expense | 502,000 | 962,000 | 1,484,000 | 2,078,000 |
| Provision for loan losses | 36,000 | 65,000 | 87,000 | 111,000 |
| Pretax income | 179,000 | 400,000 | 608,000 | 867,000 |
| Income tax | 53,000 | 116,000 | 169,000 | 229,000 |
| Net income | 126,000 | 284,000 | 439,000 | 638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,091,000 | 6,249,000 | 6,404,000 | 6,603,000 |
| Total capital | 6,452,000 | 6,637,000 | 6,805,000 | 7,025,000 |
| Risk-weighted assets | 41,992,000 | 42,874,000 | 45,868,000 | 48,352,000 |