Call reports 2005
NORTHEAST MISSOURI STATE BANK — 2005
What NORTHEAST MISSOURI 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 | 24,976,000 | 24,569,000 | 23,495,000 | 23,170,000 |
| Total loans | 11,063,000 | 10,913,000 | 10,564,000 | 10,200,000 |
| Allowance for loan losses | 195,000 | 195,000 | 194,000 | 194,000 |
| Securities available for sale | 11,536,000 | 12,262,000 | 11,779,000 | 11,465,000 |
| Securities held to maturity | 40,000 | 40,000 | 40,000 | 40,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,748,000 | 21,348,000 | 19,979,000 | 19,913,000 |
| Interest-bearing deposits | 17,742,000 | 16,986,000 | 15,909,000 | 15,558,000 |
| Noninterest-bearing deposits | 4,006,000 | 4,362,000 | 4,070,000 | 4,355,000 |
| Equity capital | 3,035,000 | 3,063,000 | 3,125,000 | 2,999,000 |
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 | 308,000 | 627,000 | 941,000 | 1,247,000 |
| Interest expense | 80,000 | 167,000 | 260,000 | 351,000 |
| Net interest income | 228,000 | 460,000 | 681,000 | 896,000 |
| Noninterest income | 43,000 | 93,000 | 141,000 | 193,000 |
| Noninterest expense | 156,000 | 316,000 | 478,000 | 653,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 115,000 | 237,000 | 345,000 | 437,000 |
| Income tax | 27,000 | 57,000 | 81,000 | 99,000 |
| Net income | 88,000 | 180,000 | 264,000 | 338,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,072,000 | 3,064,000 | 3,148,000 | 3,072,000 |
| Total capital | 3,229,000 | 3,225,000 | 3,302,000 | 3,222,000 |
| Risk-weighted assets | 12,502,000 | 12,871,000 | 12,295,000 | 11,971,000 |