Call reports 2005
STATE BANK OF CHANDLER — 2005
What STATE BANK OF CHANDLER 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 | 29,187,000 | 29,912,000 | 30,695,000 | 31,743,000 |
| Total loans | 17,954,000 | 19,663,000 | 20,227,000 | 19,995,000 |
| Allowance for loan losses | 377,000 | 385,000 | 385,000 | 384,000 |
| Securities available for sale | 8,763,000 | 8,754,000 | 8,595,000 | 8,288,000 |
| Securities held to maturity | 347,000 | 342,000 | 340,000 | 338,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,602,000 | 23,398,000 | 23,469,000 | 25,564,000 |
| Interest-bearing deposits | 20,787,000 | 19,429,000 | 19,563,000 | 18,613,000 |
| Noninterest-bearing deposits | 4,815,000 | 3,969,000 | 3,905,000 | 6,951,000 |
| Equity capital | 3,419,000 | 3,558,000 | 3,633,000 | 3,647,000 |
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 | 381,000 | 778,000 | 1,209,000 | 1,657,000 |
| Interest expense | 101,000 | 214,000 | 348,000 | 489,000 |
| Net interest income | 280,000 | 564,000 | 861,000 | 1,168,000 |
| Noninterest income | 28,000 | 57,000 | 93,000 | 124,000 |
| Noninterest expense | 157,000 | 333,000 | 499,000 | 750,000 |
| Provision for loan losses | 3,000 | 8,000 | 14,000 | 28,000 |
| Pretax income | 148,000 | 280,000 | 441,000 | 514,000 |
| Income tax | 46,000 | 88,000 | 137,000 | 163,000 |
| Net income | 102,000 | 192,000 | 304,000 | 351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,466,000 | 3,556,000 | 3,668,000 | 3,715,000 |
| Total capital | 3,707,000 | 3,817,000 | 3,937,000 | 3,985,000 |
| Risk-weighted assets | 19,142,000 | 20,782,000 | 21,437,000 | 21,487,000 |