Call reports 2005
HUSTISFORD STATE BANK — 2005
What HUSTISFORD STATE 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 | 36,117,000 | 36,857,000 | 37,062,000 | 39,959,000 |
| Total loans | 27,557,000 | 28,999,000 | 29,069,000 | 30,004,000 |
| Allowance for loan losses | 486,000 | 488,000 | 493,000 | 492,000 |
| Securities available for sale | 4,777,000 | 4,844,000 | 4,597,000 | 4,668,000 |
| Securities held to maturity | 890,000 | 695,000 | 620,000 | 620,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,340,000 | 28,896,000 | 29,243,000 | 32,821,000 |
| Interest-bearing deposits | 23,803,000 | 23,825,000 | 24,639,000 | 26,830,000 |
| Noninterest-bearing deposits | 5,537,000 | 5,071,000 | 4,604,000 | 5,991,000 |
| Equity capital | 6,475,000 | 6,635,000 | 6,954,000 | 6,854,000 |
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 | 502,000 | 1,015,000 | 1,547,000 | 2,092,000 |
| Interest expense | 113,000 | 237,000 | 392,000 | 567,000 |
| Net interest income | 389,000 | 778,000 | 1,155,000 | 1,525,000 |
| Noninterest income | 43,000 | 75,000 | 106,000 | 150,000 |
| Noninterest expense | 241,000 | 463,000 | 692,000 | 932,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 191,000 | 390,000 | 569,000 | 743,000 |
| Income tax | 68,000 | 151,000 | -19,000 | 37,000 |
| Net income | 123,000 | 239,000 | 588,000 | 706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,496,000 | 6,612,000 | 6,961,000 | 6,880,000 |
| Total capital | 6,785,000 | 6,911,000 | 7,260,000 | 7,196,000 |
| Risk-weighted assets | 22,896,000 | 23,753,000 | 23,711,000 | 25,141,000 |