Call reports 2005
SCOTT COUNTY STATE BANK, THE — 2005
What SCOTT COUNTY STATE BANK, THE 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 | 122,892,000 | 127,297,000 | 122,769,000 | 136,035,000 |
| Total loans | 90,134,000 | 90,432,000 | 89,976,000 | 88,038,000 |
| Allowance for loan losses | 742,000 | 744,000 | 744,000 | 751,000 |
| Securities available for sale | 10,446,000 | 4,980,000 | 5,943,000 | 3,946,000 |
| Securities held to maturity | 10,502,000 | 12,493,000 | 13,780,000 | 23,791,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,841,000 | 102,390,000 | 94,577,000 | 107,549,000 |
| Interest-bearing deposits | 73,830,000 | 80,638,000 | 72,608,000 | 84,662,000 |
| Noninterest-bearing deposits | 23,011,000 | 21,752,000 | 21,969,000 | 22,887,000 |
| Equity capital | 13,510,000 | 13,705,000 | 14,089,000 | 14,144,000 |
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 | 1,644,000 | 3,373,000 | 5,167,000 | 7,064,000 |
| Interest expense | 453,000 | 935,000 | 1,437,000 | 1,990,000 |
| Net interest income | 1,191,000 | 2,438,000 | 3,730,000 | 5,074,000 |
| Noninterest income | 197,000 | 354,000 | 536,000 | 691,000 |
| Noninterest expense | 820,000 | 1,658,000 | 2,519,000 | 3,527,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 68,000 |
| Pretax income | 553,000 | 1,104,000 | 1,702,000 | 2,170,000 |
| Income tax | 203,000 | 399,000 | 614,000 | 777,000 |
| Net income | 350,000 | 705,000 | 1,088,000 | 1,393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,528,000 | 13,711,000 | 14,094,000 | 14,155,000 |
| Total capital | 14,270,000 | 14,455,000 | 14,838,000 | 14,906,000 |
| Risk-weighted assets | 73,411,000 | 75,811,000 | 75,005,000 | 77,623,000 |