Call reports 2005
S-BANK — 2005
What S-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 | 172,110,000 | 174,327,000 | 171,487,000 | 180,080,000 |
| Total loans | 139,841,000 | 139,778,000 | 139,959,000 | 146,159,000 |
| Allowance for loan losses | 1,039,000 | 1,071,000 | 1,140,000 | 1,229,000 |
| Securities available for sale | 15,894,000 | 18,731,000 | 16,636,000 | 18,343,000 |
| Securities held to maturity | 1,895,000 | 1,819,000 | 1,786,000 | 1,755,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,182,000 | 109,884,000 | 102,627,000 | 117,567,000 |
| Interest-bearing deposits | 89,431,000 | 93,789,000 | 91,155,000 | 103,742,000 |
| Noninterest-bearing deposits | 12,751,000 | 16,095,000 | 11,473,000 | 13,825,000 |
| Equity capital | 12,880,000 | 13,107,000 | 13,063,000 | 13,125,000 |
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 | 2,304,000 | 4,632,000 | 6,984,000 | 9,498,000 |
| Interest expense | 789,000 | 1,650,000 | 2,593,000 | 3,716,000 |
| Net interest income | 1,515,000 | 2,982,000 | 4,391,000 | 5,782,000 |
| Noninterest income | 210,000 | 476,000 | 747,000 | 969,000 |
| Noninterest expense | 1,398,000 | 2,831,000 | 4,307,000 | 5,757,000 |
| Provision for loan losses | 27,000 | 61,000 | 84,000 | 87,000 |
| Pretax income | 312,000 | 597,000 | 778,000 | 938,000 |
| Income tax | 109,000 | 202,000 | 251,000 | 260,000 |
| Net income | 203,000 | 395,000 | 527,000 | 678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,968,000 | 13,106,000 | 13,172,000 | 13,254,000 |
| Total capital | 14,007,000 | 14,177,000 | 14,312,000 | 14,483,000 |
| Risk-weighted assets | 107,622,000 | 108,583,000 | 106,868,000 | 113,086,000 |