Call reports 2005
CHESTATEE STATE BANK — 2005
What CHESTATEE 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 | 270,685,000 | 260,477,000 | 259,274,000 | 254,774,000 |
| Total loans | 195,709,000 | 198,419,000 | 204,555,000 | 200,665,000 |
| Allowance for loan losses | 3,613,000 | 3,647,000 | 3,632,000 | 4,111,000 |
| Securities available for sale | 30,532,000 | 30,029,000 | 28,181,000 | 26,461,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,120,000 | 215,613,000 | 216,472,000 | 216,584,000 |
| Interest-bearing deposits | 202,430,000 | 193,639,000 | 192,955,000 | 190,809,000 |
| Noninterest-bearing deposits | 22,690,000 | 21,973,000 | 23,517,000 | 25,775,000 |
| Equity capital | 22,793,000 | 23,479,000 | 24,197,000 | 24,635,000 |
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 | 3,682,000 | 7,629,000 | 11,881,000 | 16,354,000 |
| Interest expense | 1,278,000 | 2,703,000 | 4,208,000 | 5,810,000 |
| Net interest income | 2,404,000 | 4,926,000 | 7,673,000 | 10,544,000 |
| Noninterest income | 304,000 | 583,000 | 873,000 | 1,087,000 |
| Noninterest expense | 1,809,000 | 3,580,000 | 5,439,000 | 7,215,000 |
| Provision for loan losses | 48,000 | 97,000 | 178,000 | 674,000 |
| Pretax income | 821,000 | 1,780,000 | 2,877,000 | 3,690,000 |
| Income tax | 287,000 | 626,000 | 1,018,000 | 1,250,000 |
| Net income | 534,000 | 1,154,000 | 1,859,000 | 2,440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,093,000 | 23,713,000 | 24,417,000 | 24,999,000 |
| Total capital | 25,822,000 | 26,450,000 | 27,151,000 | 27,803,000 |
| Risk-weighted assets | 217,012,000 | 218,008,000 | 223,560,000 | 222,996,000 |