Call reports 2005
STATE BANK OF SCHALLER — 2005
What STATE BANK OF SCHALLER 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 | 16,576,000 | 16,715,000 | 16,544,000 | 16,627,000 |
| Total loans | 8,107,000 | 8,570,000 | 8,726,000 | 9,245,000 |
| Allowance for loan losses | 203,000 | 192,000 | 197,000 | 214,000 |
| Securities available for sale | 2,247,000 | 1,637,000 | 1,310,000 | 994,000 |
| Securities held to maturity | 4,488,000 | 4,921,000 | 4,914,000 | 4,777,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,416,000 | 13,754,000 | 13,553,000 | 14,511,000 |
| Interest-bearing deposits | 12,834,000 | 12,323,000 | 11,950,000 | 12,895,000 |
| Noninterest-bearing deposits | 1,582,000 | 1,431,000 | 1,603,000 | 1,616,000 |
| Equity capital | 2,065,000 | 2,139,000 | 2,183,000 | 2,020,000 |
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 | 213,000 | 433,000 | 648,000 | 886,000 |
| Interest expense | 46,000 | 100,000 | 167,000 | 240,000 |
| Net interest income | 167,000 | 333,000 | 481,000 | 646,000 |
| Noninterest income | 82,000 | 168,000 | 255,000 | 453,000 |
| Noninterest expense | 161,000 | 298,000 | 448,000 | 684,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 88,000 | 203,000 | 288,000 | 415,000 |
| Income tax | 18,000 | 62,000 | 95,000 | 112,000 |
| Net income | 70,000 | 141,000 | 193,000 | 303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,056,000 | 2,128,000 | 2,180,000 | 2,020,000 |
| Total capital | 2,189,000 | 2,269,000 | 2,324,000 | 2,168,000 |
| Risk-weighted assets | 10,555,000 | 11,208,000 | 11,450,000 | 11,788,000 |