Call reports 2005
ELLIS STATE BANK — 2005
What ELLIS 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 | 44,312,000 | 46,880,000 | 47,034,000 | 47,303,000 |
| Total loans | 20,977,000 | 23,801,000 | 26,885,000 | 29,018,000 |
| Allowance for loan losses | 302,000 | 308,000 | 322,000 | 327,000 |
| Securities available for sale | 19,795,000 | 18,387,000 | 16,526,000 | 15,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,938,000 | 41,292,000 | 41,396,000 | 41,685,000 |
| Interest-bearing deposits | 33,943,000 | 36,158,000 | 35,976,000 | 36,072,000 |
| Noninterest-bearing deposits | 4,995,000 | 5,134,000 | 5,421,000 | 5,613,000 |
| Equity capital | 5,178,000 | 5,302,000 | 5,326,000 | 5,367,000 |
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 | 513,000 | 1,051,000 | 1,657,000 | 2,311,000 |
| Interest expense | 166,000 | 363,000 | 594,000 | 836,000 |
| Net interest income | 347,000 | 688,000 | 1,063,000 | 1,475,000 |
| Noninterest income | 28,000 | 52,000 | 83,000 | 169,000 |
| Noninterest expense | 291,000 | 583,000 | 901,000 | 1,271,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 74,000 | 141,000 | 231,000 | 353,000 |
| Income tax | 6,000 | 12,000 | 30,000 | 63,000 |
| Net income | 68,000 | 129,000 | 201,000 | 290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,321,000 | 5,381,000 | 5,440,000 | 5,527,000 |
| Total capital | 5,623,000 | 5,689,000 | 5,762,000 | 5,854,000 |
| Risk-weighted assets | 24,892,000 | 26,736,000 | 28,695,000 | 29,863,000 |