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 | 30,876,000 | 32,184,000 | 36,160,000 | 34,466,000 |
| Total loans | 22,551,000 | 24,045,000 | 25,996,000 | 27,024,000 |
| Allowance for loan losses | 229,000 | 232,000 | 230,000 | 234,000 |
| Securities available for sale | 5,300,000 | 5,316,000 | 4,285,000 | 4,272,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,212,000 | 28,945,000 | 32,843,000 | 31,033,000 |
| Interest-bearing deposits | 23,424,000 | 24,109,000 | 26,835,000 | 24,886,000 |
| Noninterest-bearing deposits | 3,788,000 | 4,836,000 | 6,008,000 | 6,148,000 |
| Equity capital | 3,043,000 | 3,164,000 | 3,227,000 | 3,338,000 |
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 | 453,000 | 954,000 | 1,511,000 | 2,128,000 |
| Interest expense | 118,000 | 251,000 | 407,000 | 581,000 |
| Net interest income | 335,000 | 703,000 | 1,104,000 | 1,547,000 |
| Noninterest income | 32,000 | 91,000 | 150,000 | 214,000 |
| Noninterest expense | 239,000 | 518,000 | 839,000 | 1,204,000 |
| Provision for loan losses | 3,000 | 3,000 | 5,000 | 5,000 |
| Pretax income | 123,000 | 271,000 | 408,000 | 552,000 |
| Income tax | 37,000 | 89,000 | 137,000 | 183,000 |
| Net income | 86,000 | 182,000 | 271,000 | 369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,109,000 | 3,206,000 | 3,294,000 | 3,393,000 |
| Total capital | 3,338,000 | 3,438,000 | 3,524,000 | 3,627,000 |
| Risk-weighted assets | 24,471,000 | 25,856,000 | 28,590,000 | 28,698,000 |