Call reports 2005
CURRIE STATE BANK — 2005
What CURRIE 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 | 27,375,000 | 28,982,000 | 30,092,000 | 34,066,000 |
| Total loans | 23,780,000 | 25,178,000 | 26,500,000 | 29,361,000 |
| Allowance for loan losses | 256,000 | 275,000 | 290,000 | 308,000 |
| Securities available for sale | 1,325,000 | 1,338,000 | 1,324,000 | 1,211,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,123,000 | 26,263,000 | 26,781,000 | 29,569,000 |
| Interest-bearing deposits | 23,156,000 | 24,580,000 | 24,645,000 | 27,145,000 |
| Noninterest-bearing deposits | 1,967,000 | 1,683,000 | 2,136,000 | 2,424,000 |
| Equity capital | 1,977,000 | 2,133,000 | 2,254,000 | 2,502,000 |
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 | 414,000 | 890,000 | 1,389,000 | 1,950,000 |
| Interest expense | 145,000 | 322,000 | 513,000 | 733,000 |
| Net interest income | 269,000 | 568,000 | 876,000 | 1,217,000 |
| Noninterest income | 26,000 | 89,000 | 158,000 | 221,000 |
| Noninterest expense | 227,000 | 487,000 | 735,000 | 1,043,000 |
| Provision for loan losses | 15,000 | 40,000 | 55,000 | 73,000 |
| Pretax income | 53,000 | 130,000 | 244,000 | 322,000 |
| Income tax | 23,000 | 55,000 | 101,000 | 126,000 |
| Net income | 30,000 | 75,000 | 143,000 | 196,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,987,000 | 2,133,000 | 2,260,000 | 2,513,000 |
| Total capital | 2,243,000 | 2,408,000 | 2,550,000 | 2,821,000 |
| Risk-weighted assets | 22,014,000 | 23,714,000 | 25,226,000 | 27,877,000 |