Call reports 2005
COUNTRY BANK — 2005
What COUNTRY 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 | 336,357,000 | 331,777,000 | 330,732,000 | 342,616,000 |
| Total loans | 205,004,000 | 206,677,000 | 205,385,000 | 230,288,000 |
| Allowance for loan losses | 1,347,000 | 1,497,000 | 1,447,000 | 1,380,000 |
| Securities available for sale | 4,232,000 | 3,500,000 | 3,287,000 | 3,522,000 |
| Securities held to maturity | 118,800,000 | 110,191,000 | 100,236,000 | 91,349,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,386,000 | 280,059,000 | 282,557,000 | 283,339,000 |
| Interest-bearing deposits | 241,422,000 | 235,084,000 | 241,299,000 | 236,892,000 |
| Noninterest-bearing deposits | 42,964,000 | 44,975,000 | 41,258,000 | 46,447,000 |
| Equity capital | 24,829,000 | 25,304,000 | 25,979,000 | 25,728,000 |
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 | 4,534,000 | 9,307,000 | 14,306,000 | 19,645,000 |
| Interest expense | 1,693,000 | 3,443,000 | 5,361,000 | 7,406,000 |
| Net interest income | 2,841,000 | 5,864,000 | 8,945,000 | 12,239,000 |
| Noninterest income | 270,000 | 528,000 | 837,000 | 1,149,000 |
| Noninterest expense | 1,871,000 | 4,160,000 | 6,454,000 | 8,702,000 |
| Provision for loan losses | 150,000 | 300,000 | 274,000 | 278,000 |
| Pretax income | 1,090,000 | 1,932,000 | 2,994,000 | 4,287,000 |
| Income tax | 474,000 | 831,000 | 1,271,000 | 1,847,000 |
| Net income | 616,000 | 1,101,000 | 1,723,000 | 2,440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,006,000 | 25,492,000 | 26,113,000 | 25,831,000 |
| Total capital | 26,353,000 | 26,989,000 | 27,586,000 | 27,233,000 |
| Risk-weighted assets | 187,176,000 | 185,584,000 | 188,080,000 | 205,092,000 |