Call reports 2005
BAXTER STATE BANK, THE — 2005
What BAXTER 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 | 26,485,000 | 26,190,000 | 26,969,000 | 28,559,000 |
| Total loans | 15,590,000 | 16,691,000 | 16,005,000 | 18,452,000 |
| Allowance for loan losses | 224,000 | 235,000 | 227,000 | 252,000 |
| Securities available for sale | 6,424,000 | 6,030,000 | 5,429,000 | 5,700,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,029,000 | 18,667,000 | 19,340,000 | 19,855,000 |
| Interest-bearing deposits | 14,235,000 | 13,960,000 | 14,210,000 | 14,257,000 |
| Noninterest-bearing deposits | 4,794,000 | 4,707,000 | 5,130,000 | 5,598,000 |
| Equity capital | 4,154,000 | 4,205,000 | 4,277,000 | 4,136,000 |
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 | 362,000 | 727,000 | 1,118,000 | 1,552,000 |
| Interest expense | 76,000 | 165,000 | 260,000 | 379,000 |
| Net interest income | 286,000 | 562,000 | 858,000 | 1,173,000 |
| Noninterest income | 77,000 | 146,000 | 220,000 | 296,000 |
| Noninterest expense | 274,000 | 558,000 | 823,000 | 1,107,000 |
| Provision for loan losses | 15,000 | 30,000 | 38,000 | 63,000 |
| Pretax income | 74,000 | 120,000 | 217,000 | 299,000 |
| Income tax | 14,000 | 28,000 | 42,000 | 55,000 |
| Net income | 60,000 | 92,000 | 175,000 | 244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,175,000 | 4,207,000 | 4,290,000 | 4,159,000 |
| Total capital | 4,390,000 | 4,432,000 | 4,511,000 | 4,411,000 |
| Risk-weighted assets | 17,226,000 | 18,093,000 | 17,653,000 | 20,110,000 |