Call reports 2005
ROBERT LEE STATE BANK — 2005
What ROBERT LEE 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 | 38,128,000 | 37,027,000 | 36,139,000 | 36,709,000 |
| Total loans | 20,407,000 | 20,360,000 | 20,049,000 | 19,866,000 |
| Allowance for loan losses | 342,000 | 314,000 | 1,155,000 | 1,160,000 |
| Securities available for sale | 7,268,000 | 5,848,000 | 5,610,000 | 5,566,000 |
| Securities held to maturity | 5,801,000 | 5,693,000 | 5,779,000 | 6,090,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,073,000 | 29,974,000 | 30,086,000 | 30,818,000 |
| Interest-bearing deposits | 24,528,000 | 24,175,000 | 24,203,000 | 24,204,000 |
| Noninterest-bearing deposits | 6,545,000 | 5,799,000 | 5,883,000 | 6,614,000 |
| Equity capital | 4,555,000 | 4,609,000 | 3,795,000 | 3,873,000 |
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 | 529,000 | 1,065,000 | 1,576,000 | 2,123,000 |
| Interest expense | 139,000 | 286,000 | 448,000 | 612,000 |
| Net interest income | 390,000 | 779,000 | 1,128,000 | 1,511,000 |
| Noninterest income | 59,000 | 124,000 | 222,000 | 277,000 |
| Noninterest expense | 299,000 | 647,000 | 981,000 | 1,292,000 |
| Provision for loan losses | 0 | 0 | 1,003,000 | 1,003,000 |
| Pretax income | 150,000 | 256,000 | -635,000 | -508,000 |
| Income tax | 17,000 | 80,000 | 0 | 40,000 |
| Net income | 137,000 | 180,000 | -631,000 | -548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,608,000 | 4,651,000 | 3,841,000 | 3,923,000 |
| Total capital | 4,910,000 | 4,939,000 | 4,128,000 | 4,212,000 |
| Risk-weighted assets | 24,151,000 | 23,049,000 | 22,061,000 | 22,285,000 |