Call reports 2005
SMALL TOWN BANK — 2005
What SMALL TOWN 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 | 170,553,000 | 171,525,000 | 173,398,000 | 177,818,000 |
| Total loans | 105,175,000 | 105,106,000 | 109,048,000 | 109,978,000 |
| Allowance for loan losses | 1,207,000 | 1,286,000 | 1,345,000 | 1,405,000 |
| Securities available for sale | 49,056,000 | 53,493,000 | 50,036,000 | 55,109,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,645,000 | 136,759,000 | 138,478,000 | 142,163,000 |
| Interest-bearing deposits | 125,863,000 | 125,775,000 | 127,572,000 | 130,390,000 |
| Noninterest-bearing deposits | 11,782,000 | 10,984,000 | 10,906,000 | 11,773,000 |
| Equity capital | 17,116,000 | 18,725,000 | 18,946,000 | 19,245,000 |
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 | 2,745,000 | 5,592,000 | 8,582,000 | 11,629,000 |
| Interest expense | 989,000 | 2,040,000 | 3,169,000 | 4,352,000 |
| Net interest income | 1,756,000 | 3,552,000 | 5,413,000 | 7,277,000 |
| Noninterest income | 243,000 | 480,000 | 758,000 | 987,000 |
| Noninterest expense | 863,000 | 1,738,000 | 2,649,000 | 3,487,000 |
| Provision for loan losses | 90,000 | 180,000 | 295,000 | 415,000 |
| Pretax income | 1,053,000 | 2,121,000 | 3,267,000 | 4,402,000 |
| Income tax | 269,000 | 549,000 | 839,000 | 1,149,000 |
| Net income | 784,000 | 1,572,000 | 2,428,000 | 3,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,636,000 | 15,374,000 | 15,973,000 | 16,743,000 |
| Total capital | 15,843,000 | 16,660,000 | 17,318,000 | 18,148,000 |
| Risk-weighted assets | 118,580,000 | 114,967,000 | 119,479,000 | 120,721,000 |