Call reports 2005
PAYNE COUNTY BANK, THE — 2005
What PAYNE COUNTY BANK, THE 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 | 86,093,000 | 88,871,000 | 88,754,000 | 88,586,000 |
| Total loans | 54,403,000 | 56,494,000 | 58,700,000 | 58,718,000 |
| Allowance for loan losses | 401,000 | 429,000 | 419,000 | 423,000 |
| Securities available for sale | 22,736,000 | 21,871,000 | 22,580,000 | 22,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,522,000 | 72,963,000 | 73,181,000 | 73,078,000 |
| Interest-bearing deposits | 57,615,000 | 58,820,000 | 57,972,000 | 57,351,000 |
| Noninterest-bearing deposits | 12,907,000 | 14,143,000 | 15,209,000 | 15,727,000 |
| Equity capital | 15,340,000 | 15,564,000 | 15,291,000 | 15,231,000 |
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 | 1,259,000 | 2,571,000 | 3,965,000 | 5,340,000 |
| Interest expense | 253,000 | 549,000 | 905,000 | 1,288,000 |
| Net interest income | 1,006,000 | 2,022,000 | 3,060,000 | 4,052,000 |
| Noninterest income | 207,000 | 437,000 | 604,000 | 859,000 |
| Noninterest expense | 658,000 | 1,311,000 | 1,885,000 | 2,961,000 |
| Provision for loan losses | 0 | 50,000 | 75,000 | 175,000 |
| Pretax income | 555,000 | 1,098,000 | 1,704,000 | 1,775,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 555,000 | 1,098,000 | 1,704,000 | 1,775,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,360,000 | 15,543,000 | 15,349,000 | 15,420,000 |
| Total capital | 15,761,000 | 15,972,000 | 15,768,000 | 15,843,000 |
| Risk-weighted assets | 59,444,000 | 61,354,000 | 62,891,000 | 62,472,000 |