Call reports 2005
SURETY BANK — 2005
What SURETY 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 | 76,145,000 | 78,763,000 | 80,806,000 | 83,198,000 |
| Total loans | 53,349,000 | 53,767,000 | 52,959,000 | 56,590,000 |
| Allowance for loan losses | 976,000 | 979,000 | 982,000 | 985,000 |
| Securities available for sale | 14,017,000 | 14,045,000 | 13,902,000 | 13,773,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,345,000 | 68,634,000 | 70,363,000 | 73,182,000 |
| Interest-bearing deposits | 58,894,000 | 61,345,000 | 63,627,000 | 66,848,000 |
| Noninterest-bearing deposits | 7,451,000 | 7,289,000 | 6,736,000 | 6,333,000 |
| Equity capital | 9,287,000 | 9,726,000 | 9,935,000 | 9,597,000 |
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 | 1,159,000 | 2,432,000 | 3,804,000 | 5,177,000 |
| Interest expense | 491,000 | 998,000 | 1,558,000 | 2,171,000 |
| Net interest income | 668,000 | 1,434,000 | 2,246,000 | 3,006,000 |
| Noninterest income | 28,000 | 62,000 | 101,000 | 131,000 |
| Noninterest expense | 380,000 | 748,000 | 1,127,000 | 1,527,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 315,000 | 742,000 | 1,211,000 | 1,598,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 314,000 | 741,000 | 1,210,000 | 1,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,801,000 | 9,110,000 | 9,459,000 | 9,252,000 |
| Total capital | 9,515,000 | 9,844,000 | 10,199,000 | 10,032,000 |
| Risk-weighted assets | 56,899,000 | 58,516,000 | 58,960,000 | 62,196,000 |