Call reports 2005
BIPPUS STATE BANK, THE — 2005
What BIPPUS STATE BANK, THE 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 | 92,063,000 | 91,342,000 | 94,935,000 | 97,537,000 |
| Total loans | 65,460,000 | 66,887,000 | 67,500,000 | 70,067,000 |
| Allowance for loan losses | 505,000 | 535,000 | 589,000 | 635,000 |
| Securities available for sale | 16,494,000 | 16,008,000 | 17,136,000 | 18,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,211,000 | 69,657,000 | 74,612,000 | 75,734,000 |
| Interest-bearing deposits | 65,145,000 | 62,830,000 | 66,472,000 | 68,419,000 |
| Noninterest-bearing deposits | 7,065,000 | 6,827,000 | 8,140,000 | 7,315,000 |
| Equity capital | 7,846,000 | 8,018,000 | 8,019,000 | 8,111,000 |
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 | 1,188,000 | 2,423,000 | 3,725,000 | 5,122,000 |
| Interest expense | 381,000 | 795,000 | 1,258,000 | 1,777,000 |
| Net interest income | 807,000 | 1,628,000 | 2,467,000 | 3,345,000 |
| Noninterest income | 275,000 | 453,000 | 573,000 | 785,000 |
| Noninterest expense | 745,000 | 1,519,000 | 2,254,000 | 3,007,000 |
| Provision for loan losses | 35,000 | 74,000 | 122,000 | 170,000 |
| Pretax income | 312,000 | 505,000 | 690,000 | 917,000 |
| Income tax | 93,000 | 143,000 | 189,000 | 188,000 |
| Net income | 219,000 | 362,000 | 501,000 | 729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,942,000 | 8,054,000 | 8,104,000 | 8,240,000 |
| Total capital | 8,447,000 | 8,589,000 | 8,693,000 | 8,875,000 |
| Risk-weighted assets | 71,679,000 | 73,620,000 | 72,420,000 | 74,508,000 |