Call reports 2005
PELLA STATE BANK — 2005
What PELLA 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 | 66,753,000 | 67,090,000 | 64,477,000 | 62,829,000 |
| Total loans | 40,372,000 | 41,910,000 | 41,399,000 | 39,882,000 |
| Allowance for loan losses | 676,000 | 692,000 | 689,000 | 694,000 |
| Securities available for sale | 21,381,000 | 20,061,000 | 17,788,000 | 17,331,000 |
| Securities held to maturity | 2,299,000 | 2,295,000 | 2,291,000 | 2,287,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,650,000 | 55,458,000 | 54,595,000 | 49,545,000 |
| Interest-bearing deposits | 55,456,000 | 54,172,000 | 53,054,000 | 45,702,000 |
| Noninterest-bearing deposits | 1,194,000 | 1,286,000 | 1,541,000 | 3,843,000 |
| Equity capital | 5,430,000 | 5,478,000 | 5,393,000 | 5,329,000 |
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 | 1,123,000 | 2,204,000 | 3,135,000 | 4,068,000 |
| Interest expense | 384,000 | 781,000 | 1,201,000 | 1,640,000 |
| Net interest income | 739,000 | 1,423,000 | 1,934,000 | 2,428,000 |
| Noninterest income | 51,000 | 100,000 | 155,000 | 211,000 |
| Noninterest expense | 370,000 | 767,000 | 1,117,000 | 1,447,000 |
| Provision for loan losses | 146,000 | 240,000 | 284,000 | 318,000 |
| Pretax income | 274,000 | 516,000 | 688,000 | 874,000 |
| Income tax | 90,000 | 169,000 | 223,000 | 278,000 |
| Net income | 184,000 | 347,000 | 465,000 | 596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,554,000 | 5,567,000 | 5,535,000 | 5,516,000 |
| Total capital | 6,174,000 | 6,202,000 | 6,155,000 | 6,121,000 |
| Risk-weighted assets | 49,577,000 | 50,706,000 | 49,570,000 | 48,295,000 |