Call reports 2005
STATE BANK, THE — 2005
What STATE BANK, THE 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 | 104,881,000 | 104,102,000 | 103,677,000 | 103,726,000 |
| Total loans | 57,947,000 | 61,095,000 | 61,926,000 | 60,095,000 |
| Allowance for loan losses | 565,000 | 646,000 | 761,000 | 835,000 |
| Securities available for sale | 34,590,000 | 33,497,000 | 32,439,000 | 34,849,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,182,000 | 81,885,000 | 82,363,000 | 85,981,000 |
| Interest-bearing deposits | 70,030,000 | 69,183,000 | 69,563,000 | 71,059,000 |
| Noninterest-bearing deposits | 13,152,000 | 12,702,000 | 12,800,000 | 14,922,000 |
| Equity capital | 9,928,000 | 10,121,000 | 10,035,000 | 10,063,000 |
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 | 1,376,000 | 2,817,000 | 4,310,000 | 5,861,000 |
| Interest expense | 357,000 | 728,000 | 1,138,000 | 1,570,000 |
| Net interest income | 1,019,000 | 2,089,000 | 3,172,000 | 4,291,000 |
| Noninterest income | 178,000 | 364,000 | 553,000 | 761,000 |
| Noninterest expense | 725,000 | 1,430,000 | 2,297,000 | 3,166,000 |
| Provision for loan losses | 80,000 | 161,000 | 241,000 | 322,000 |
| Pretax income | 392,000 | 860,000 | 1,178,000 | 1,555,000 |
| Income tax | -17,000 | 0 | 7,000 | 22,000 |
| Net income | 409,000 | 860,000 | 1,171,000 | 1,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,762,000 | 8,687,000 | 8,871,000 | 9,068,000 |
| Total capital | 9,327,000 | 9,333,000 | 9,632,000 | 9,820,000 |
| Risk-weighted assets | 59,887,000 | 61,541,000 | 61,966,000 | 60,067,000 |