Call reports 2005
SCHWERTNER STATE BANK — 2005
What SCHWERTNER 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 | 18,823,000 | 19,174,000 | 20,008,000 | 21,760,000 |
| Total loans | 8,338,000 | 8,221,000 | 8,404,000 | 8,158,000 |
| Allowance for loan losses | 99,000 | 99,000 | 92,000 | 90,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,003,000 | 4,002,000 | 4,001,000 | 4,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,744,000 | 16,027,000 | 16,807,000 | 18,496,000 |
| Interest-bearing deposits | 11,762,000 | 11,299,000 | 12,224,000 | 12,884,000 |
| Noninterest-bearing deposits | 3,982,000 | 4,728,000 | 4,584,000 | 5,612,000 |
| Equity capital | 3,001,000 | 3,062,000 | 3,133,000 | 3,135,000 |
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 | 212,000 | 437,000 | 673,000 | 914,000 |
| Interest expense | 36,000 | 73,000 | 119,000 | 171,000 |
| Net interest income | 176,000 | 364,000 | 554,000 | 743,000 |
| Noninterest income | 32,000 | 52,000 | 75,000 | 101,000 |
| Noninterest expense | 133,000 | 264,000 | 388,000 | 545,000 |
| Provision for loan losses | 3,000 | 3,000 | 7,000 | 7,000 |
| Pretax income | 72,000 | 149,000 | 234,000 | 292,000 |
| Income tax | 13,000 | 28,000 | 43,000 | 98,000 |
| Net income | 59,000 | 121,000 | 191,000 | 194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,001,000 | 3,062,000 | 3,133,000 | 3,135,000 |
| Total capital | 3,100,000 | 3,161,000 | 3,225,000 | 3,225,000 |
| Risk-weighted assets | 10,454,000 | 10,043,000 | 10,742,000 | 11,050,000 |