Call reports 2005
STATE BANK — 2005
What 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 | 208,875,000 | 214,651,000 | 219,173,000 | 228,245,000 |
| Total loans | 126,970,000 | 132,142,000 | 135,856,000 | 140,869,000 |
| Allowance for loan losses | 1,629,000 | 1,108,000 | 1,239,000 | 1,562,000 |
| Securities available for sale | 38,856,000 | 38,430,000 | 40,309,000 | 38,942,000 |
| Securities held to maturity | 23,270,000 | 24,250,000 | 22,743,000 | 24,292,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,995,000 | 183,615,000 | 178,537,000 | 187,135,000 |
| Interest-bearing deposits | 145,877,000 | 150,847,000 | 141,400,000 | 151,943,000 |
| Noninterest-bearing deposits | 34,118,000 | 32,768,000 | 37,137,000 | 35,192,000 |
| Equity capital | 27,302,000 | 27,686,000 | 28,246,000 | 28,226,000 |
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 | 2,437,000 | 5,053,000 | 7,726,000 | 10,528,000 |
| Interest expense | 487,000 | 1,047,000 | 1,690,000 | 2,465,000 |
| Net interest income | 1,950,000 | 4,006,000 | 6,036,000 | 8,063,000 |
| Noninterest income | 534,000 | 1,094,000 | 1,662,000 | 2,236,000 |
| Noninterest expense | 1,533,000 | 3,157,000 | 4,778,000 | 6,499,000 |
| Provision for loan losses | 39,000 | 220,000 | 351,000 | 482,000 |
| Pretax income | 912,000 | 1,723,000 | 2,569,000 | 3,318,000 |
| Income tax | 246,000 | 432,000 | 629,000 | 787,000 |
| Net income | 666,000 | 1,291,000 | 1,940,000 | 2,531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,665,000 | 27,885,000 | 28,534,000 | 28,678,000 |
| Total capital | 29,294,000 | 28,993,000 | 29,773,000 | 30,240,000 |
| Risk-weighted assets | 142,286,000 | 148,515,000 | 149,640,000 | 153,958,000 |