Call reports 2005
STATE BANK OF DAVIS — 2005
What STATE BANK OF DAVIS 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 | 77,489,000 | 80,882,000 | 86,474,000 | 89,672,000 |
| Total loans | 50,117,000 | 52,027,000 | 57,468,000 | 60,720,000 |
| Allowance for loan losses | 679,000 | 707,000 | 728,000 | 757,000 |
| Securities available for sale | 18,220,000 | 19,358,000 | 19,394,000 | 19,205,000 |
| Securities held to maturity | 7,112,000 | 7,541,000 | 7,557,000 | 7,304,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,728,000 | 70,717,000 | 74,422,000 | 77,523,000 |
| Interest-bearing deposits | 64,781,000 | 64,784,000 | 69,668,000 | 71,577,000 |
| Noninterest-bearing deposits | 4,947,000 | 5,933,000 | 4,754,000 | 5,946,000 |
| Equity capital | 6,383,000 | 6,745,000 | 6,856,000 | 6,914,000 |
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 | 1,060,000 | 2,177,000 | 3,378,000 | 4,636,000 |
| Interest expense | 339,000 | 718,000 | 1,175,000 | 1,680,000 |
| Net interest income | 721,000 | 1,459,000 | 2,203,000 | 2,956,000 |
| Noninterest income | 51,000 | 105,000 | 161,000 | 211,000 |
| Noninterest expense | 334,000 | 680,000 | 1,020,000 | 1,381,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 420,000 | 848,000 | 1,290,000 | 1,714,000 |
| Income tax | 109,000 | 220,000 | 336,000 | 446,000 |
| Net income | 311,000 | 628,000 | 954,000 | 1,268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,422,000 | 6,615,000 | 6,815,000 | 7,004,000 |
| Total capital | 7,101,000 | 7,322,000 | 7,543,000 | 7,761,000 |
| Risk-weighted assets | 55,102,000 | 56,658,000 | 62,140,000 | 65,553,000 |