Call reports 2005
JOURDANTON STATE BANK — 2005
What JOURDANTON 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 | 84,066,000 | 79,524,000 | 79,959,000 | 79,250,000 |
| Total loans | 27,617,000 | 23,835,000 | 24,861,000 | 26,172,000 |
| Allowance for loan losses | 421,000 | 219,000 | 248,000 | 250,000 |
| Securities available for sale | 37,538,000 | 37,545,000 | 38,591,000 | 38,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,483,000 | 65,125,000 | 65,218,000 | 64,653,000 |
| Interest-bearing deposits | 48,517,000 | 45,167,000 | 45,161,000 | 43,765,000 |
| Noninterest-bearing deposits | 20,966,000 | 19,958,000 | 20,057,000 | 20,888,000 |
| Equity capital | 14,106,000 | 13,873,000 | 14,085,000 | 13,919,000 |
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 | 969,000 | 1,945,000 | 2,919,000 | 3,936,000 |
| Interest expense | 126,000 | 261,000 | 403,000 | 556,000 |
| Net interest income | 843,000 | 1,684,000 | 2,516,000 | 3,380,000 |
| Noninterest income | 308,000 | 633,000 | 1,002,000 | 1,354,000 |
| Noninterest expense | 962,000 | 1,987,000 | 3,017,000 | 3,908,000 |
| Provision for loan losses | 27,000 | 544,000 | 578,000 | 581,000 |
| Pretax income | 162,000 | -214,000 | -77,000 | 243,000 |
| Income tax | 13,000 | -21,000 | -172,000 | -117,000 |
| Net income | 149,000 | -193,000 | 95,000 | 360,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,325,000 | 13,984,000 | 14,271,000 | 14,342,000 |
| Total capital | 14,746,000 | 14,203,000 | 14,519,000 | 14,592,000 |
| Risk-weighted assets | 40,551,000 | 38,743,000 | 40,036,000 | 40,774,000 |