Call reports 2005
LINDALE STATE BANK — 2005
What LINDALE 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 | 78,831,000 | 77,629,000 | 81,927,000 | 82,778,000 |
| Total loans | 48,482,000 | 49,694,000 | 52,176,000 | 53,487,000 |
| Allowance for loan losses | 711,000 | 730,000 | 761,000 | 732,000 |
| Securities available for sale | 15,702,000 | 16,593,000 | 15,499,000 | 14,913,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,572,000 | 69,269,000 | 73,277,000 | 74,007,000 |
| Interest-bearing deposits | 53,720,000 | 51,898,000 | 56,801,000 | 56,681,000 |
| Noninterest-bearing deposits | 16,852,000 | 17,371,000 | 16,476,000 | 17,326,000 |
| Equity capital | 7,948,000 | 8,114,000 | 8,301,000 | 8,486,000 |
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 | 843,000 | 1,732,000 | 2,689,000 | 3,695,000 |
| Interest expense | 190,000 | 412,000 | 661,000 | 934,000 |
| Net interest income | 653,000 | 1,320,000 | 2,028,000 | 2,761,000 |
| Noninterest income | 178,000 | 377,000 | 580,000 | 773,000 |
| Noninterest expense | 545,000 | 1,100,000 | 1,634,000 | 2,164,000 |
| Provision for loan losses | 24,000 | 44,000 | 77,000 | 164,000 |
| Pretax income | 262,000 | 553,000 | 897,000 | 1,206,000 |
| Income tax | 89,000 | 188,000 | 305,000 | 410,000 |
| Net income | 173,000 | 365,000 | 592,000 | 796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,017,000 | 8,209,000 | 8,412,000 | 8,616,000 |
| Total capital | 8,713,000 | 8,917,000 | 9,173,000 | 9,348,000 |
| Risk-weighted assets | 54,905,000 | 56,705,000 | 61,468,000 | 60,718,000 |
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