Call reports 2005
BRIDGE CITY STATE BANK — 2005
What BRIDGE CITY STATE BANK 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 | 84,194,000 | 87,209,000 | 89,828,000 | 101,609,000 |
| Total loans | 38,689,000 | 41,180,000 | 42,673,000 | 41,012,000 |
| Allowance for loan losses | 1,339,000 | 1,355,000 | 1,174,000 | 1,205,000 |
| Securities available for sale | 35,951,000 | 35,647,000 | 34,497,000 | 38,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,269,000 | 79,876,000 | 81,982,000 | 93,976,000 |
| Interest-bearing deposits | 58,778,000 | 59,502,000 | 60,612,000 | 66,547,000 |
| Noninterest-bearing deposits | 18,491,000 | 20,374,000 | 21,370,000 | 27,429,000 |
| Equity capital | 6,678,000 | 7,078,000 | 7,399,000 | 7,269,000 |
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 | 1,005,000 | 2,059,000 | 3,238,000 | 4,478,000 |
| Interest expense | 217,000 | 442,000 | 675,000 | 929,000 |
| Net interest income | 788,000 | 1,617,000 | 2,563,000 | 3,549,000 |
| Noninterest income | 182,000 | 377,000 | 523,000 | 621,000 |
| Noninterest expense | 626,000 | 1,290,000 | 1,938,000 | 2,702,000 |
| Provision for loan losses | 0 | 0 | -225,000 | -225,000 |
| Pretax income | 344,000 | 704,000 | 1,373,000 | 1,693,000 |
| Income tax | 96,000 | 186,000 | 313,000 | 401,000 |
| Net income | 248,000 | 518,000 | 1,060,000 | 1,292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,001,000 | 7,162,000 | 7,615,000 | 7,702,000 |
| Total capital | 7,599,000 | 7,795,000 | 8,267,000 | 8,384,000 |
| Risk-weighted assets | 47,134,000 | 49,932,000 | 51,656,000 | 54,032,000 |