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 | 20,764,000 | 22,047,000 | 22,896,000 | 24,203,000 |
| Total loans | 9,783,000 | 9,210,000 | 9,456,000 | 10,167,000 |
| Allowance for loan losses | 98,000 | 103,000 | 107,000 | 112,000 |
| Securities available for sale | 3,985,000 | 3,943,000 | 3,829,000 | 3,740,000 |
| Securities held to maturity | 210,000 | 209,000 | 207,000 | 207,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,946,000 | 18,242,000 | 19,120,000 | 20,339,000 |
| Interest-bearing deposits | 15,356,000 | 16,336,000 | 16,831,000 | 17,462,000 |
| Noninterest-bearing deposits | 1,590,000 | 1,906,000 | 2,289,000 | 2,877,000 |
| Equity capital | 2,651,000 | 2,719,000 | 2,729,000 | 2,779,000 |
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 | 240,000 | 499,000 | 778,000 | 1,082,000 |
| Interest expense | 68,000 | 156,000 | 264,000 | 377,000 |
| Net interest income | 172,000 | 343,000 | 514,000 | 705,000 |
| Noninterest income | 29,000 | 68,000 | 94,000 | 166,000 |
| Noninterest expense | 179,000 | 328,000 | 494,000 | 681,000 |
| Provision for loan losses | 5,000 | 9,000 | 14,000 | 18,000 |
| Pretax income | 17,000 | 74,000 | 100,000 | 172,000 |
| Income tax | 0 | 15,000 | 15,000 | 17,000 |
| Net income | 17,000 | 59,000 | 85,000 | 155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,587,000 | 2,629,000 | 2,655,000 | 2,724,000 |
| Total capital | 2,685,000 | 2,732,000 | 2,762,000 | 2,836,000 |
| Risk-weighted assets | 13,018,000 | 12,812,000 | 13,017,000 | 14,099,000 |