Call reports 2005
GUIDE ROCK STATE BANK — 2005
What GUIDE ROCK 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 | 23,551,000 | 22,553,000 | 23,189,000 | 24,678,000 |
| Total loans | 17,248,000 | 17,851,000 | 18,521,000 | 17,945,000 |
| Allowance for loan losses | 522,000 | 621,000 | 646,000 | 675,000 |
| Securities available for sale | 2,028,000 | 2,041,000 | 1,936,000 | 1,907,000 |
| Securities held to maturity | 1,522,000 | 1,526,000 | 1,326,000 | 1,325,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,767,000 | 19,628,000 | 19,616,000 | 21,986,000 |
| Interest-bearing deposits | 17,536,000 | 16,860,000 | 16,472,000 | 18,152,000 |
| Noninterest-bearing deposits | 3,231,000 | 2,768,000 | 3,144,000 | 3,834,000 |
| Equity capital | 2,734,000 | 2,777,000 | 2,845,000 | 2,646,000 |
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 | 363,000 | 752,000 | 1,106,000 | 1,506,000 |
| Interest expense | 100,000 | 196,000 | 294,000 | 406,000 |
| Net interest income | 263,000 | 556,000 | 812,000 | 1,100,000 |
| Noninterest income | 40,000 | 78,000 | 121,000 | 157,000 |
| Noninterest expense | 162,000 | 349,000 | 535,000 | 866,000 |
| Provision for loan losses | 30,000 | 125,000 | 155,000 | 285,000 |
| Pretax income | 111,000 | 160,000 | 235,000 | 98,000 |
| Income tax | 23,000 | 33,000 | 44,000 | 66,000 |
| Net income | 88,000 | 127,000 | 191,000 | 32,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,786,000 | 2,825,000 | 2,890,000 | 2,730,000 |
| Total capital | 3,027,000 | 3,069,000 | 3,144,000 | 2,982,000 |
| Risk-weighted assets | 18,973,000 | 19,114,000 | 19,926,000 | 19,702,000 |