Call reports 2005
ALMENA STATE BANK — 2005
What ALMENA 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 | 11,793,000 | 12,216,000 | 12,769,000 | 12,876,000 |
| Total loans | 9,554,000 | 10,162,000 | 10,097,000 | 10,632,000 |
| Allowance for loan losses | 77,000 | 77,000 | 83,000 | 80,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 764,000 | 763,000 | 763,000 | 761,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,802,000 | 11,147,000 | 11,835,000 | 11,892,000 |
| Interest-bearing deposits | 9,026,000 | 9,208,000 | 9,426,000 | 9,944,000 |
| Noninterest-bearing deposits | 1,776,000 | 1,940,000 | 2,408,000 | 1,948,000 |
| Equity capital | 868,000 | 889,000 | 896,000 | 943,000 |
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 | 208,000 | 420,000 | 652,000 | 900,000 |
| Interest expense | 34,000 | 74,000 | 122,000 | 175,000 |
| Net interest income | 174,000 | 346,000 | 530,000 | 725,000 |
| Noninterest income | 44,000 | 75,000 | 125,000 | 185,000 |
| Noninterest expense | 190,000 | 371,000 | 563,000 | 771,000 |
| Provision for loan losses | 2,000 | 2,000 | 2,000 | 2,000 |
| Pretax income | 26,000 | 48,000 | 90,000 | 137,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 25,000 | 47,000 | 89,000 | 136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 847,000 | 868,000 | 875,000 | 922,000 |
| Total capital | 924,000 | 945,000 | 958,000 | 1,002,000 |
| Risk-weighted assets | 9,598,000 | 10,142,000 | 9,830,000 | 10,462,000 |