Call reports 2005
STATE BANK OF OSKALOOSA, THE — 2005
What STATE BANK OF OSKALOOSA, 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 | 28,686,000 | 30,004,000 | 29,621,000 | 29,617,000 |
| Total loans | 8,426,000 | 8,427,000 | 8,356,000 | 8,539,000 |
| Allowance for loan losses | 89,000 | 85,000 | 85,000 | 85,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,057,000 | 16,051,000 | 16,539,000 | 16,853,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,675,000 | 27,962,000 | 27,571,000 | 27,565,000 |
| Interest-bearing deposits | 22,031,000 | 23,168,000 | 22,631,000 | 23,276,000 |
| Noninterest-bearing deposits | 4,644,000 | 4,794,000 | 4,940,000 | 4,289,000 |
| Equity capital | 1,979,000 | 1,986,000 | 1,978,000 | 1,993,000 |
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 | 276,000 | 585,000 | 911,000 | 1,279,000 |
| Interest expense | 81,000 | 173,000 | 279,000 | 396,000 |
| Net interest income | 195,000 | 412,000 | 632,000 | 883,000 |
| Noninterest income | 52,000 | 97,000 | 150,000 | 201,000 |
| Noninterest expense | 184,000 | 392,000 | 618,000 | 840,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 63,000 | 117,000 | 164,000 | 244,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 9,000 |
| Net income | 62,000 | 114,000 | 160,000 | 235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,979,000 | 1,986,000 | 1,978,000 | 1,993,000 |
| Total capital | 2,064,000 | 2,071,000 | 2,063,000 | 2,078,000 |
| Risk-weighted assets | 6,823,000 | 7,084,000 | 6,885,000 | 6,806,000 |