Call reports 2005
FRANCES SLOCUM BANK AND TRUST COMPANY, NATIONAL ASSOCIATION — 2005
What FRANCES SLOCUM BANK AND TRUST COMPANY, NATIONAL ASSOCIATION 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 | 182,502,000 | 174,697,000 | 182,636,000 | 181,923,000 |
| Total loans | 135,676,000 | 133,737,000 | 141,419,000 | 142,568,000 |
| Allowance for loan losses | 2,313,000 | 2,296,000 | 2,322,000 | 2,347,000 |
| Securities available for sale | 16,661,000 | 17,569,000 | 16,760,000 | 15,991,000 |
| Securities held to maturity | 0 | 0 | 104,000 | 104,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,640,000 | 138,986,000 | 148,308,000 | 127,572,000 |
| Interest-bearing deposits | 126,591,000 | 120,974,000 | 130,023,000 | 109,424,000 |
| Noninterest-bearing deposits | 22,048,000 | 18,011,000 | 18,285,000 | 18,147,000 |
| Equity capital | 27,131,000 | 27,484,000 | 27,698,000 | 27,737,000 |
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 | 2,410,000 | 4,906,000 | 7,534,000 | 10,218,000 |
| Interest expense | 626,000 | 1,275,000 | 2,074,000 | 2,974,000 |
| Net interest income | 1,784,000 | 3,631,000 | 5,460,000 | 7,244,000 |
| Noninterest income | 262,000 | 503,000 | 1,024,000 | 1,266,000 |
| Noninterest expense | 1,280,000 | 2,615,000 | 4,053,000 | 5,287,000 |
| Provision for loan losses | 75,000 | 75,000 | 150,000 | 225,000 |
| Pretax income | 691,000 | 1,444,000 | 2,281,000 | 2,998,000 |
| Income tax | 249,000 | 520,000 | 820,000 | 1,077,000 |
| Net income | 442,000 | 924,000 | 1,461,000 | 1,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,169,000 | 16,512,000 | 16,856,000 | 17,152,000 |
| Total capital | 17,856,000 | 18,152,000 | 18,606,000 | 18,907,000 |
| Risk-weighted assets | 134,356,000 | 130,530,000 | 139,419,000 | 139,846,000 |