Call reports 2005
STATE BANK OF WHEATON — 2005
What STATE BANK OF WHEATON 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 | 58,365,000 | 57,276,000 | 58,662,000 | 60,138,000 |
| Total loans | 48,672,000 | 50,552,000 | 51,441,000 | 50,656,000 |
| Allowance for loan losses | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Securities available for sale | 5,108,000 | 4,067,000 | 4,019,000 | 3,440,000 |
| Securities held to maturity | 1,755,000 | 1,700,000 | 1,657,000 | 1,603,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,164,000 | 42,354,000 | 43,818,000 | 45,947,000 |
| Interest-bearing deposits | 37,651,000 | 36,583,000 | 37,340,000 | 38,216,000 |
| Noninterest-bearing deposits | 6,513,000 | 5,771,000 | 6,478,000 | 7,731,000 |
| Equity capital | 12,806,000 | 12,315,000 | 12,539,000 | 12,940,000 |
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 | 962,000 | 1,935,000 | 2,971,000 | 3,992,000 |
| Interest expense | 182,000 | 392,000 | 651,000 | 914,000 |
| Net interest income | 780,000 | 1,543,000 | 2,320,000 | 3,078,000 |
| Noninterest income | 42,000 | 105,000 | 138,000 | 169,000 |
| Noninterest expense | 323,000 | 750,000 | 1,175,000 | 1,517,000 |
| Provision for loan losses | 130,000 | 128,000 | 128,000 | 146,000 |
| Pretax income | 369,000 | 770,000 | 1,155,000 | 1,584,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 369,000 | 770,000 | 1,155,000 | 1,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,682,000 | 12,210,000 | 12,463,000 | 12,892,000 |
| Total capital | 13,310,000 | 12,848,000 | 13,116,000 | 13,539,000 |
| Risk-weighted assets | 49,874,000 | 50,695,000 | 51,865,000 | 51,395,000 |