Call reports 2005
CITY STATE BANK OF PALACIOS, THE — 2005
What CITY STATE BANK OF PALACIOS, 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 | 41,680,000 | 44,131,000 | 44,191,000 | 43,427,000 |
| Total loans | 26,635,000 | 28,577,000 | 28,453,000 | 25,719,000 |
| Allowance for loan losses | 434,000 | 432,000 | 406,000 | 439,000 |
| Securities available for sale | 12,703,000 | 12,883,000 | 13,487,000 | 13,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,045,000 | 35,336,000 | 37,573,000 | 38,712,000 |
| Interest-bearing deposits | 27,378,000 | 26,508,000 | 26,827,000 | 27,919,000 |
| Noninterest-bearing deposits | 8,667,000 | 8,828,000 | 10,746,000 | 10,793,000 |
| Equity capital | 4,113,000 | 4,229,000 | 4,323,000 | 4,294,000 |
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 | 556,000 | 1,176,000 | 1,849,000 | 2,520,000 |
| Interest expense | 101,000 | 234,000 | 406,000 | 553,000 |
| Net interest income | 455,000 | 942,000 | 1,443,000 | 1,967,000 |
| Noninterest income | 70,000 | 136,000 | 214,000 | 288,000 |
| Noninterest expense | 409,000 | 819,000 | 1,219,000 | 1,633,000 |
| Provision for loan losses | 35,000 | 45,000 | 55,000 | 92,000 |
| Pretax income | 65,000 | 193,000 | 362,000 | 509,000 |
| Income tax | 22,000 | 64,000 | 117,000 | 162,000 |
| Net income | 43,000 | 129,000 | 245,000 | 347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,237,000 | 4,317,000 | 4,433,000 | 4,452,000 |
| Total capital | 4,486,000 | 4,578,000 | 4,690,000 | 4,705,000 |
| Risk-weighted assets | 19,747,000 | 20,761,000 | 20,451,000 | 20,040,000 |