Call reports 2005
TENNESSEE STATE BANK — 2005
What TENNESSEE 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 | 478,244,000 | 489,190,000 | 499,623,000 | 507,858,000 |
| Total loans | 317,701,000 | 322,492,000 | 336,522,000 | 346,610,000 |
| Allowance for loan losses | 4,655,000 | 4,620,000 | 4,664,000 | 4,583,000 |
| Securities available for sale | 112,589,000 | 119,563,000 | 115,353,000 | 109,456,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 396,695,000 | 398,742,000 | 409,499,000 | 406,205,000 |
| Interest-bearing deposits | 344,431,000 | 343,679,000 | 349,924,000 | 349,362,000 |
| Noninterest-bearing deposits | 52,264,000 | 55,063,000 | 59,575,000 | 56,843,000 |
| Equity capital | 35,762,000 | 37,218,000 | 37,828,000 | 37,302,000 |
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 | 6,063,000 | 12,588,000 | 19,440,000 | 26,763,000 |
| Interest expense | 2,076,000 | 4,402,000 | 6,967,000 | 9,790,000 |
| Net interest income | 3,987,000 | 8,186,000 | 12,473,000 | 16,973,000 |
| Noninterest income | 1,263,000 | 2,823,000 | 4,574,000 | 6,227,000 |
| Noninterest expense | 3,488,000 | 7,158,000 | 11,089,000 | 15,079,000 |
| Provision for loan losses | 120,000 | 240,000 | 350,000 | 440,000 |
| Pretax income | 1,642,000 | 3,611,000 | 5,608,000 | 7,681,000 |
| Income tax | 125,000 | 306,000 | 471,000 | 649,000 |
| Net income | 1,517,000 | 3,305,000 | 5,137,000 | 7,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,035,000 | 37,823,000 | 38,655,000 | 38,950,000 |
| Total capital | 41,440,000 | 42,299,000 | 43,318,000 | 43,533,000 |
| Risk-weighted assets | 352,136,000 | 357,958,000 | 373,058,000 | 382,705,000 |