Call reports 2005
RNB STATE BANK — 2005
What RNB 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 | 125,123,000 | 124,083,000 | 130,702,000 | 129,429,000 |
| Total loans | 91,074,000 | 93,106,000 | 88,598,000 | 86,040,000 |
| Allowance for loan losses | 927,000 | 942,000 | 956,000 | 964,000 |
| Securities available for sale | 25,218,000 | 21,649,000 | 20,684,000 | 23,745,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,861,000 | 108,678,000 | 115,625,000 | 115,270,000 |
| Interest-bearing deposits | 94,147,000 | 95,160,000 | 102,542,000 | 98,894,000 |
| Noninterest-bearing deposits | 11,713,000 | 13,518,000 | 13,083,000 | 16,376,000 |
| Equity capital | 12,175,000 | 12,653,000 | 12,820,000 | 12,544,000 |
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 | 1,754,000 | 3,601,000 | 5,495,000 | 7,527,000 |
| Interest expense | 365,000 | 739,000 | 1,186,000 | 1,678,000 |
| Net interest income | 1,389,000 | 2,862,000 | 4,309,000 | 5,849,000 |
| Noninterest income | 193,000 | 408,000 | 641,000 | 874,000 |
| Noninterest expense | 1,050,000 | 2,126,000 | 3,173,000 | 4,316,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 514,000 | 1,108,000 | 1,723,000 | 2,335,000 |
| Income tax | 0 | 0 | 0 | 8,000 |
| Net income | 506,000 | 1,100,000 | 1,715,000 | 2,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,265,000 | 12,599,000 | 12,814,000 | 12,624,000 |
| Total capital | 13,192,000 | 13,541,000 | 13,770,000 | 13,588,000 |
| Risk-weighted assets | 100,275,000 | 100,742,000 | 100,065,000 | 97,642,000 |