Call reports 2005
STONE CITY BANK OF BEDFORD, INDIANA — 2005
What STONE CITY BANK OF BEDFORD, INDIANA 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 | 58,014,000 | 59,420,000 | 60,752,000 | 60,282,000 |
| Total loans | 43,214,000 | 44,153,000 | 46,177,000 | 47,887,000 |
| Allowance for loan losses | 514,000 | 475,000 | 502,000 | 658,000 |
| Securities available for sale | 6,906,000 | 6,572,000 | 6,250,000 | 6,060,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,486,000 | 45,997,000 | 47,375,000 | 47,657,000 |
| Interest-bearing deposits | 37,078,000 | 37,283,000 | 39,319,000 | 39,645,000 |
| Noninterest-bearing deposits | 8,408,000 | 8,714,000 | 8,056,000 | 8,012,000 |
| Equity capital | 5,061,000 | 5,157,000 | 5,134,000 | 4,628,000 |
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 | 795,000 | 1,627,000 | 2,504,000 | 3,432,000 |
| Interest expense | 200,000 | 408,000 | 674,000 | 952,000 |
| Net interest income | 595,000 | 1,219,000 | 1,830,000 | 2,480,000 |
| Noninterest income | 119,000 | 251,000 | 393,000 | 547,000 |
| Noninterest expense | 644,000 | 1,273,000 | 1,936,000 | 2,753,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 259,000 |
| Pretax income | 74,000 | 201,000 | 261,000 | 19,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 74,000 | 201,000 | 261,000 | 19,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,034,000 | 5,112,000 | 5,117,000 | 4,653,000 |
| Total capital | 5,548,000 | 5,587,000 | 5,619,000 | 5,264,000 |
| Risk-weighted assets | 44,229,000 | 45,585,000 | 47,635,000 | 48,753,000 |