Call reports 2005
STATE BANK OF TOULON — 2005
What STATE BANK OF TOULON 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 | 132,658,000 | 131,065,000 | 132,503,000 | 132,076,000 |
| Total loans | 62,770,000 | 62,354,000 | 66,072,000 | 67,878,000 |
| Allowance for loan losses | 831,000 | 600,000 | 712,000 | 725,000 |
| Securities available for sale | 60,084,000 | 56,110,000 | 55,293,000 | 53,107,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,653,000 | 107,487,000 | 106,109,000 | 109,563,000 |
| Interest-bearing deposits | 104,835,000 | 102,292,000 | 100,869,000 | 81,664,000 |
| Noninterest-bearing deposits | 5,818,000 | 5,195,000 | 5,240,000 | 27,899,000 |
| Equity capital | 11,410,000 | 12,020,000 | 12,060,000 | 11,470,000 |
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 | 1,599,000 | 3,213,000 | 4,859,000 | 6,595,000 |
| Interest expense | 575,000 | 1,157,000 | 1,796,000 | 2,496,000 |
| Net interest income | 1,024,000 | 2,056,000 | 3,063,000 | 4,099,000 |
| Noninterest income | 156,000 | 311,000 | 578,000 | 762,000 |
| Noninterest expense | 778,000 | 1,596,000 | 2,460,000 | 3,498,000 |
| Provision for loan losses | 15,000 | 30,000 | 145,000 | 155,000 |
| Pretax income | 399,000 | 730,000 | 1,025,000 | 1,197,000 |
| Income tax | 80,000 | -307,000 | -307,000 | -348,000 |
| Net income | 319,000 | 1,037,000 | 1,332,000 | 1,545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,029,000 | 9,569,000 | 9,807,000 | 9,633,000 |
| Total capital | 9,860,000 | 10,169,000 | 10,519,000 | 10,318,000 |
| Risk-weighted assets | 74,013,000 | 73,028,000 | 75,797,000 | 78,366,000 |