Call reports 2005
STATE BANK OF SAUNEMIN — 2005
What STATE BANK OF SAUNEMIN 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 | 21,191,000 | 21,312,000 | 21,123,000 | 22,930,000 |
| Total loans | 10,937,000 | 11,676,000 | 12,174,000 | 12,674,000 |
| Allowance for loan losses | 179,000 | 191,000 | 193,000 | 191,000 |
| Securities available for sale | 6,697,000 | 6,890,000 | 6,228,000 | 6,370,000 |
| Securities held to maturity | 690,000 | 523,000 | 524,000 | 524,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,971,000 | 19,042,000 | 18,807,000 | 20,328,000 |
| Interest-bearing deposits | 16,501,000 | 16,563,000 | 16,749,000 | 17,115,000 |
| Noninterest-bearing deposits | 2,470,000 | 2,479,000 | 2,058,000 | 3,213,000 |
| Equity capital | 1,898,000 | 1,921,000 | 1,941,000 | 1,967,000 |
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 | 254,000 | 514,000 | 796,000 | 1,077,000 |
| Interest expense | 73,000 | 160,000 | 254,000 | 352,000 |
| Net interest income | 181,000 | 354,000 | 542,000 | 725,000 |
| Noninterest income | 22,000 | 51,000 | 76,000 | 103,000 |
| Noninterest expense | 163,000 | 300,000 | 449,000 | 607,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 40,000 | 92,000 | 153,000 | 204,000 |
| Income tax | 1,000 | 51,000 | 52,000 | 54,000 |
| Net income | 41,000 | 44,000 | 101,000 | 150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,970,000 | 1,974,000 | 2,030,000 | 2,079,000 |
| Total capital | 2,128,000 | 2,136,000 | 2,197,000 | 2,256,000 |
| Risk-weighted assets | 12,648,000 | 12,950,000 | 13,323,000 | 14,138,000 |