Call reports 2005
STROUD NATIONAL BANK — 2005
What STROUD NATIONAL 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 | 41,713,000 | 46,719,000 | 48,040,000 | 53,200,000 |
| Total loans | 26,162,000 | 28,791,000 | 30,836,000 | 33,891,000 |
| Allowance for loan losses | 262,000 | 288,000 | 312,000 | 330,000 |
| Securities available for sale | 11,000,000 | 11,301,000 | 10,637,000 | 12,217,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,619,000 | 36,491,000 | 37,778,000 | 43,056,000 |
| Interest-bearing deposits | 29,552,000 | 29,820,000 | 30,983,000 | 33,569,000 |
| Noninterest-bearing deposits | 6,067,000 | 6,671,000 | 6,795,000 | 9,487,000 |
| Equity capital | 4,412,000 | 4,482,000 | 4,538,000 | 4,463,000 |
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 | 629,000 | 1,293,000 | 2,020,000 | 2,843,000 |
| Interest expense | 119,000 | 257,000 | 458,000 | 705,000 |
| Net interest income | 510,000 | 1,036,000 | 1,562,000 | 2,138,000 |
| Noninterest income | 111,000 | 244,000 | 385,000 | 576,000 |
| Noninterest expense | 505,000 | 1,070,000 | 1,627,000 | 2,228,000 |
| Provision for loan losses | 19,000 | 34,000 | 68,000 | 93,000 |
| Pretax income | 97,000 | 176,000 | 252,000 | 393,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 97,000 | 176,000 | 252,000 | 393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,506,000 | 4,481,000 | 4,538,000 | 4,678,000 |
| Total capital | 4,768,000 | 4,769,000 | 4,850,000 | 5,008,000 |
| Risk-weighted assets | 26,910,000 | 30,436,000 | 32,363,000 | 35,955,000 |