Call reports 2005
STATE BANK OF PRAIRIE DU ROCHER — 2005
What STATE BANK OF PRAIRIE DU ROCHER 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 | 40,124,000 | 39,732,000 | 39,520,000 | 39,341,000 |
| Total loans | 26,733,000 | 26,199,000 | 27,221,000 | 27,484,000 |
| Allowance for loan losses | 265,000 | 257,000 | 267,000 | 271,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,941,000 | 11,140,000 | 10,236,000 | 9,577,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,044,000 | 36,011,000 | 35,244,000 | 35,989,000 |
| Interest-bearing deposits | 33,983,000 | 32,942,000 | 32,252,000 | 32,205,000 |
| Noninterest-bearing deposits | 3,061,000 | 3,069,000 | 2,992,000 | 3,784,000 |
| Equity capital | 2,861,000 | 2,956,000 | 2,989,000 | 3,017,000 |
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 | 517,000 | 1,038,000 | 1,575,000 | 2,104,000 |
| Interest expense | 195,000 | 396,000 | 603,000 | 817,000 |
| Net interest income | 322,000 | 642,000 | 972,000 | 1,287,000 |
| Noninterest income | 28,000 | 63,000 | 98,000 | 136,000 |
| Noninterest expense | 281,000 | 522,000 | 795,000 | 1,057,000 |
| Provision for loan losses | 3,000 | -5,000 | 6,000 | 15,000 |
| Pretax income | 66,000 | 188,000 | 269,000 | 351,000 |
| Income tax | 27,000 | 54,000 | 81,000 | 106,000 |
| Net income | 39,000 | 134,000 | 188,000 | 245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,861,000 | 2,956,000 | 2,989,000 | 3,017,000 |
| Total capital | 3,126,000 | 3,213,000 | 3,256,000 | 3,288,000 |
| Risk-weighted assets | 24,341,000 | 23,924,000 | 24,698,000 | 24,560,000 |