Call reports 2005
SANDHILLS BANK — 2005
What SANDHILLS 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 | 60,760,000 | 65,817,000 | 67,323,000 | 65,539,000 |
| Total loans | 44,985,000 | 50,008,000 | 48,418,000 | 48,393,000 |
| Allowance for loan losses | 735,000 | 691,000 | 648,000 | 638,000 |
| Securities available for sale | 5,809,000 | 5,285,000 | 5,336,000 | 7,293,000 |
| Securities held to maturity | 3,339,000 | 3,388,000 | 3,483,000 | 3,480,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,132,000 | 53,858,000 | 56,677,000 | 54,846,000 |
| Interest-bearing deposits | 43,056,000 | 47,406,000 | 49,534,000 | 47,269,000 |
| Noninterest-bearing deposits | 7,076,000 | 6,452,000 | 7,143,000 | 7,577,000 |
| Equity capital | 6,073,000 | 6,116,000 | 6,276,000 | 6,379,000 |
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 | 930,000 | 1,923,000 | 3,000,000 | 4,129,000 |
| Interest expense | 242,000 | 566,000 | 918,000 | 1,278,000 |
| Net interest income | 688,000 | 1,357,000 | 2,082,000 | 2,851,000 |
| Noninterest income | 684,000 | 1,709,000 | 2,662,000 | 3,224,000 |
| Noninterest expense | 1,211,000 | 2,740,000 | 4,193,000 | 5,290,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 15,000 |
| Pretax income | 170,000 | 336,000 | 546,000 | 780,000 |
| Income tax | 41,000 | 72,000 | 136,000 | 216,000 |
| Net income | 129,000 | 264,000 | 410,000 | 564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,139,000 | 6,260,000 | 6,436,000 | 6,559,000 |
| Total capital | 6,766,000 | 6,951,000 | 7,084,000 | 7,197,000 |
| Risk-weighted assets | 50,056,000 | 55,381,000 | 55,671,000 | 54,104,000 |