Call reports 2005
STOCK EXCHANGE BANK, THE — 2005
What STOCK EXCHANGE 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 | 130,273,000 | 129,749,000 | 130,133,000 | 135,153,000 |
| Total loans | 45,831,000 | 46,140,000 | 46,932,000 | 50,155,000 |
| Allowance for loan losses | 659,000 | 597,000 | 652,000 | 612,000 |
| Securities available for sale | 41,711,000 | 42,606,000 | 41,745,000 | 40,394,000 |
| Securities held to maturity | 22,627,000 | 25,227,000 | 24,757,000 | 25,134,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,371,000 | 110,064,000 | 110,210,000 | 116,240,000 |
| Interest-bearing deposits | 94,806,000 | 92,474,000 | 89,587,000 | 93,571,000 |
| Noninterest-bearing deposits | 16,565,000 | 17,590,000 | 20,623,000 | 22,669,000 |
| Equity capital | 18,307,000 | 19,062,000 | 19,255,000 | 18,384,000 |
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 | 1,392,000 | 2,885,000 | 4,404,000 | 6,034,000 |
| Interest expense | 230,000 | 510,000 | 833,000 | 1,179,000 |
| Net interest income | 1,162,000 | 2,375,000 | 3,571,000 | 4,855,000 |
| Noninterest income | 280,000 | 608,000 | 927,000 | 1,245,000 |
| Noninterest expense | 905,000 | 1,806,000 | 2,691,000 | 3,732,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 155,000 |
| Pretax income | 522,000 | 1,147,000 | 1,762,000 | 2,213,000 |
| Income tax | 150,000 | 300,000 | 450,000 | 605,000 |
| Net income | 372,000 | 847,000 | 1,312,000 | 1,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,624,000 | 19,099,000 | 19,564,000 | 18,860,000 |
| Total capital | 19,283,000 | 19,696,000 | 20,216,000 | 19,472,000 |
| Risk-weighted assets | 63,526,000 | 63,517,000 | 64,547,000 | 67,422,000 |