Call reports 2005
CARNEY STATE BANK, THE — 2005
What CARNEY STATE BANK, THE 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 | 16,343,000 | 15,977,000 | 16,203,000 | 15,840,000 |
| Total loans | 5,235,000 | 5,476,000 | 5,811,000 | 5,802,000 |
| Allowance for loan losses | 49,000 | 43,000 | 43,000 | 46,000 |
| Securities available for sale | 1,389,000 | 1,400,000 | 1,392,000 | 1,183,000 |
| Securities held to maturity | 7,021,000 | 7,698,000 | 7,362,000 | 7,165,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,035,000 | 14,641,000 | 14,853,000 | 14,526,000 |
| Interest-bearing deposits | 13,757,000 | 13,511,000 | 13,597,000 | 12,914,000 |
| Noninterest-bearing deposits | 1,278,000 | 1,130,000 | 1,256,000 | 1,612,000 |
| Equity capital | 1,276,000 | 1,298,000 | 1,314,000 | 1,277,000 |
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 | 199,000 | 403,000 | 619,000 | 843,000 |
| Interest expense | 74,000 | 150,000 | 230,000 | 316,000 |
| Net interest income | 125,000 | 253,000 | 389,000 | 527,000 |
| Noninterest income | 26,000 | 53,000 | 82,000 | 113,000 |
| Noninterest expense | 135,000 | 253,000 | 397,000 | 571,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 16,000 | 53,000 | 74,000 | 64,000 |
| Income tax | 2,000 | 7,000 | 7,000 | 7,000 |
| Net income | 14,000 | 46,000 | 67,000 | 57,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,278,000 | 1,294,000 | 1,315,000 | 1,285,000 |
| Total capital | 1,327,000 | 1,337,000 | 1,358,000 | 1,331,000 |
| Risk-weighted assets | 5,316,000 | 5,174,000 | 5,515,000 | 5,711,000 |