Call reports 2005
GREER STATE BANK — 2005
What GREER 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 | 248,633,000 | 268,194,000 | 281,932,000 | 299,448,000 |
| Total loans | 144,497,000 | 159,278,000 | 174,974,000 | 198,991,000 |
| Allowance for loan losses | 1,169,000 | 1,198,000 | 1,220,000 | 1,405,000 |
| Securities available for sale | 39,472,000 | 52,011,000 | 54,825,000 | 49,543,000 |
| Securities held to maturity | 33,785,000 | 32,036,000 | 30,065,000 | 28,482,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,441,000 | 167,214,000 | 172,674,000 | 199,503,000 |
| Interest-bearing deposits | 138,606,000 | 141,408,000 | 145,871,000 | 169,173,000 |
| Noninterest-bearing deposits | 24,835,000 | 25,806,000 | 26,803,000 | 30,330,000 |
| Equity capital | 25,026,000 | 25,655,000 | 26,142,000 | 26,436,000 |
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 | 3,178,000 | 6,668,000 | 10,683,000 | 15,201,000 |
| Interest expense | 1,149,000 | 2,460,000 | 4,021,000 | 5,853,000 |
| Net interest income | 2,029,000 | 4,208,000 | 6,662,000 | 9,348,000 |
| Noninterest income | 571,000 | 1,100,000 | 1,697,000 | 2,286,000 |
| Noninterest expense | 1,756,000 | 3,573,000 | 5,587,000 | 7,624,000 |
| Provision for loan losses | 45,000 | 135,000 | 211,000 | 415,000 |
| Pretax income | 934,000 | 1,735,000 | 2,696,000 | 3,937,000 |
| Income tax | 210,000 | 288,000 | 491,000 | 895,000 |
| Net income | 724,000 | 1,447,000 | 2,205,000 | 3,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,518,000 | 25,040,000 | 25,798,000 | 26,632,000 |
| Total capital | 25,687,000 | 26,239,000 | 27,019,000 | 28,038,000 |
| Risk-weighted assets | 174,258,000 | 191,818,000 | 207,231,000 | 230,015,000 |