Call reports 2005
PHELPS COUNTY BANK — 2005
What PHELPS COUNTY 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 | 210,384,000 | 202,732,000 | 201,095,000 | 204,247,000 |
| Total loans | 153,660,000 | 154,430,000 | 154,821,000 | 156,919,000 |
| Allowance for loan losses | 1,519,000 | 1,517,000 | 1,604,000 | 1,653,000 |
| Securities available for sale | 44,665,000 | 38,844,000 | 36,712,000 | 36,532,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,419,000 | 182,831,000 | 180,339,000 | 187,682,000 |
| Interest-bearing deposits | 161,737,000 | 151,162,000 | 148,746,000 | 154,865,000 |
| Noninterest-bearing deposits | 31,682,000 | 31,669,000 | 31,593,000 | 32,817,000 |
| Equity capital | 14,345,000 | 14,958,000 | 14,927,000 | 14,966,000 |
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 | 2,727,000 | 5,554,000 | 8,373,000 | 11,273,000 |
| Interest expense | 778,000 | 1,593,000 | 2,466,000 | 3,422,000 |
| Net interest income | 1,949,000 | 3,961,000 | 5,907,000 | 7,851,000 |
| Noninterest income | 485,000 | 1,108,000 | 1,695,000 | 2,243,000 |
| Noninterest expense | 1,737,000 | 3,515,000 | 5,262,000 | 6,778,000 |
| Provision for loan losses | 122,000 | 204,000 | 289,000 | 375,000 |
| Pretax income | 575,000 | 1,349,000 | 2,049,000 | 2,939,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 575,000 | 1,349,000 | 2,049,000 | 2,939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,134,000 | 15,358,000 | 15,510,000 | 15,849,000 |
| Total capital | 16,653,000 | 16,875,000 | 17,114,000 | 17,492,000 |
| Risk-weighted assets | 126,111,000 | 125,000,000 | 133,947,000 | 131,439,000 |