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 | 81,722,000 | 84,255,000 | 82,130,000 | 85,388,000 |
| Total loans | 56,173,000 | 57,194,000 | 58,925,000 | 59,620,000 |
| Allowance for loan losses | 544,000 | 556,000 | 570,000 | 593,000 |
| Securities available for sale | 15,956,000 | 13,387,000 | 14,288,000 | 14,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,634,000 | 67,856,000 | 67,756,000 | 68,100,000 |
| Interest-bearing deposits | 60,346,000 | 60,169,000 | 59,861,000 | 59,075,000 |
| Noninterest-bearing deposits | 6,288,000 | 7,687,000 | 7,895,000 | 9,025,000 |
| Equity capital | 7,843,000 | 8,070,000 | 8,198,000 | 8,175,000 |
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 | 954,000 | 1,988,000 | 3,057,000 | 4,159,000 |
| Interest expense | 395,000 | 823,000 | 1,290,000 | 1,792,000 |
| Net interest income | 559,000 | 1,165,000 | 1,767,000 | 2,367,000 |
| Noninterest income | 395,000 | 495,000 | 596,000 | 701,000 |
| Noninterest expense | 464,000 | 938,000 | 1,404,000 | 1,910,000 |
| Provision for loan losses | 3,000 | 16,000 | 30,000 | 57,000 |
| Pretax income | 487,000 | 706,000 | 929,000 | 1,101,000 |
| Income tax | 162,000 | 219,000 | 278,000 | 314,000 |
| Net income | 325,000 | 487,000 | 651,000 | 787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,930,000 | 8,092,000 | 8,255,000 | 8,294,000 |
| Total capital | 8,474,000 | 8,648,000 | 8,825,000 | 8,887,000 |
| Risk-weighted assets | 61,430,000 | 61,058,000 | 61,605,000 | 62,269,000 |