Call reports 2005
CLARKE COUNTY STATE BANK — 2005
What CLARKE COUNTY 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 | 114,791,000 | 111,629,000 | 115,042,000 | 113,333,000 |
| Total loans | 79,244,000 | 77,663,000 | 79,632,000 | 78,735,000 |
| Allowance for loan losses | 912,000 | 905,000 | 903,000 | 853,000 |
| Securities available for sale | 21,649,000 | 22,109,000 | 22,992,000 | 19,220,000 |
| Securities held to maturity | 2,994,000 | 2,139,000 | 2,137,000 | 2,109,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,943,000 | 96,511,000 | 99,637,000 | 97,729,000 |
| Interest-bearing deposits | 95,181,000 | 91,296,000 | 93,864,000 | 92,161,000 |
| Noninterest-bearing deposits | 4,762,000 | 5,215,000 | 5,773,000 | 5,568,000 |
| Equity capital | 8,852,000 | 9,100,000 | 9,252,000 | 9,426,000 |
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 | 1,408,000 | 2,891,000 | 4,443,000 | 6,055,000 |
| Interest expense | 540,000 | 1,148,000 | 1,809,000 | 2,537,000 |
| Net interest income | 868,000 | 1,743,000 | 2,634,000 | 3,518,000 |
| Noninterest income | 119,000 | 236,000 | 329,000 | 458,000 |
| Noninterest expense | 653,000 | 1,296,000 | 1,875,000 | 2,524,000 |
| Provision for loan losses | 10,000 | 10,000 | 15,000 | 115,000 |
| Pretax income | 321,000 | 670,000 | 1,070,000 | 1,298,000 |
| Income tax | 73,000 | 168,000 | 282,000 | 330,000 |
| Net income | 248,000 | 502,000 | 788,000 | 968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,890,000 | 9,085,000 | 9,286,000 | 9,467,000 |
| Total capital | 9,802,000 | 9,990,000 | 10,189,000 | 10,320,000 |
| Risk-weighted assets | 80,769,000 | 78,454,000 | 80,557,000 | 81,323,000 |