Call reports 2005
CABOOL STATE BANK — 2005
What CABOOL 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 | 60,500,000 | 59,803,000 | 57,463,000 | 58,093,000 |
| Total loans | 34,729,000 | 33,651,000 | 34,383,000 | 34,559,000 |
| Allowance for loan losses | 789,000 | 775,000 | 781,000 | 792,000 |
| Securities available for sale | 19,408,000 | 20,043,000 | 20,172,000 | 19,932,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,282,000 | 49,418,000 | 47,099,000 | 47,798,000 |
| Interest-bearing deposits | 42,948,000 | 41,891,000 | 40,102,000 | 39,974,000 |
| Noninterest-bearing deposits | 7,334,000 | 7,527,000 | 6,997,000 | 7,824,000 |
| Equity capital | 10,082,000 | 10,202,000 | 10,181,000 | 10,142,000 |
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 | 795,000 | 1,595,000 | 2,434,000 | 3,256,000 |
| Interest expense | 164,000 | 342,000 | 533,000 | 735,000 |
| Net interest income | 631,000 | 1,253,000 | 1,901,000 | 2,521,000 |
| Noninterest income | 55,000 | 124,000 | 184,000 | 244,000 |
| Noninterest expense | 561,000 | 1,108,000 | 1,654,000 | 2,216,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 125,000 | 269,000 | 431,000 | 549,000 |
| Income tax | 24,000 | 52,000 | 81,000 | 102,000 |
| Net income | 101,000 | 217,000 | 350,000 | 447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,221,000 | 10,258,000 | 10,317,000 | 10,336,000 |
| Total capital | 10,572,000 | 10,598,000 | 10,661,000 | 10,683,000 |
| Risk-weighted assets | 36,961,000 | 36,100,000 | 36,371,000 | 36,634,000 |