Call reports 2005
NAPOLEON STATE BANK, THE — 2005
What NAPOLEON 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 | 93,669,000 | 95,146,000 | 96,373,000 | 98,622,000 |
| Total loans | 76,052,000 | 80,424,000 | 82,490,000 | 82,922,000 |
| Allowance for loan losses | 857,000 | 873,000 | 918,000 | 904,000 |
| Securities available for sale | 5,514,000 | 5,657,000 | 5,359,000 | 5,094,000 |
| Securities held to maturity | 2,901,000 | 3,020,000 | 2,757,000 | 2,862,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,907,000 | 79,758,000 | 79,023,000 | 81,283,000 |
| Interest-bearing deposits | 68,481,000 | 69,954,000 | 69,096,000 | 71,263,000 |
| Noninterest-bearing deposits | 10,426,000 | 9,804,000 | 9,927,000 | 10,020,000 |
| Equity capital | 10,296,000 | 10,507,000 | 10,761,000 | 10,885,000 |
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 | 1,274,000 | 2,609,000 | 3,986,000 | 5,390,000 |
| Interest expense | 408,000 | 855,000 | 1,344,000 | 1,875,000 |
| Net interest income | 866,000 | 1,754,000 | 2,642,000 | 3,515,000 |
| Noninterest income | 141,000 | 299,000 | 480,000 | 642,000 |
| Noninterest expense | 612,000 | 1,251,000 | 1,880,000 | 2,482,000 |
| Provision for loan losses | 30,000 | 60,000 | 80,000 | 115,000 |
| Pretax income | 365,000 | 742,000 | 1,162,000 | 1,560,000 |
| Income tax | 137,000 | 277,000 | 439,000 | 590,000 |
| Net income | 228,000 | 465,000 | 723,000 | 970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,334,000 | 10,535,000 | 10,794,000 | 10,928,000 |
| Total capital | 11,179,000 | 11,408,000 | 11,711,000 | 11,832,000 |
| Risk-weighted assets | 67,556,000 | 71,776,000 | 73,397,000 | 73,739,000 |