Call reports 2005
ST. JOSEPH CAPITAL BANK — 2005
What ST. JOSEPH CAPITAL 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 | 410,197,000 | 443,871,000 | 448,640,000 | 478,969,000 |
| Total loans | 289,962,000 | 308,749,000 | 330,972,000 | 338,705,000 |
| Allowance for loan losses | 3,578,000 | 3,578,000 | 3,578,000 | 3,578,000 |
| Securities available for sale | 91,450,000 | 95,399,000 | 84,680,000 | 83,510,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,964,000 | 332,428,000 | 334,494,000 | 344,898,000 |
| Interest-bearing deposits | 298,792,000 | 296,075,000 | 311,572,000 | 314,990,000 |
| Noninterest-bearing deposits | 29,172,000 | 36,353,000 | 22,922,000 | 29,908,000 |
| Equity capital | 31,920,000 | 33,575,000 | 34,222,000 | 34,783,000 |
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 | 4,868,000 | 10,162,000 | 15,945,000 | 22,054,000 |
| Interest expense | 2,174,000 | 4,730,000 | 7,709,000 | 11,037,000 |
| Net interest income | 2,694,000 | 5,432,000 | 8,236,000 | 11,017,000 |
| Noninterest income | 155,000 | 304,000 | 439,000 | 580,000 |
| Noninterest expense | 1,566,000 | 3,234,000 | 4,904,000 | 6,480,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,283,000 | 2,512,000 | 3,781,000 | 5,128,000 |
| Income tax | 377,000 | 646,000 | 979,000 | 1,360,000 |
| Net income | 906,000 | 1,866,000 | 2,802,000 | 3,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,851,000 | 33,811,000 | 34,747,000 | 35,712,000 |
| Total capital | 36,429,000 | 37,389,000 | 38,325,000 | 39,290,000 |
| Risk-weighted assets | 307,330,000 | 328,851,000 | 342,681,000 | 351,601,000 |