Call reports 2005
22ND STATE BANKING COMPANY — 2005
What 22ND STATE BANKING COMPANY 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 | 68,141,000 | 73,934,000 | 74,789,000 | 77,141,000 |
| Total loans | 54,003,000 | 59,124,000 | 59,952,000 | 64,647,000 |
| Allowance for loan losses | 638,000 | 659,000 | 592,000 | 601,000 |
| Securities available for sale | 9,051,000 | 9,517,000 | 9,296,000 | 8,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,342,000 | 67,897,000 | 68,314,000 | 70,495,000 |
| Interest-bearing deposits | 57,197,000 | 62,771,000 | 62,693,000 | 65,067,000 |
| Noninterest-bearing deposits | 5,145,000 | 5,126,000 | 5,621,000 | 5,428,000 |
| Equity capital | 5,394,000 | 5,665,000 | 5,949,000 | 6,044,000 |
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 | 1,030,000 | 2,164,000 | 3,419,000 | 4,834,000 |
| Interest expense | 321,000 | 703,000 | 1,176,000 | 1,688,000 |
| Net interest income | 709,000 | 1,461,000 | 2,243,000 | 3,146,000 |
| Noninterest income | 58,000 | 121,000 | 173,000 | 236,000 |
| Noninterest expense | 436,000 | 881,000 | 1,368,000 | 1,904,000 |
| Provision for loan losses | 0 | 0 | 35,000 | 75,000 |
| Pretax income | 476,000 | 837,000 | 1,309,000 | 1,699,000 |
| Income tax | 130,000 | 262,000 | 439,000 | 614,000 |
| Net income | 346,000 | 575,000 | 870,000 | 1,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,490,000 | 5,714,000 | 6,010,000 | 6,167,000 |
| Total capital | 6,128,000 | 6,373,000 | 6,602,000 | 6,768,000 |
| Risk-weighted assets | 55,626,000 | 60,577,000 | 61,301,000 | 65,188,000 |