Call reports 2005
LANGFORD STATE BANK — 2005
What LANGFORD 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 | 11,617,000 | 11,508,000 | 11,175,000 | 12,290,000 |
| Total loans | 3,778,000 | 3,827,000 | 4,198,000 | 4,319,000 |
| Allowance for loan losses | 232,000 | 232,000 | 232,000 | 247,000 |
| Securities available for sale | 6,408,000 | 6,439,000 | 6,025,000 | 6,094,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,386,000 | 9,210,000 | 8,898,000 | 9,997,000 |
| Interest-bearing deposits | 8,127,000 | 8,088,000 | 7,638,000 | 8,474,000 |
| Noninterest-bearing deposits | 1,259,000 | 1,122,000 | 1,260,000 | 1,523,000 |
| Equity capital | 2,210,000 | 2,272,000 | 2,257,000 | 2,266,000 |
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 | 121,000 | 248,000 | 379,000 | 521,000 |
| Interest expense | 20,000 | 44,000 | 68,000 | 96,000 |
| Net interest income | 101,000 | 204,000 | 311,000 | 425,000 |
| Noninterest income | 4,000 | 9,000 | 15,000 | 20,000 |
| Noninterest expense | 88,000 | 172,000 | 260,000 | 352,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 17,000 | 41,000 | 66,000 | 93,000 |
| Income tax | 3,000 | 8,000 | 14,000 | 16,000 |
| Net income | 14,000 | 33,000 | 52,000 | 77,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,264,000 | 2,283,000 | 2,303,000 | 2,328,000 |
| Total capital | 2,333,000 | 2,352,000 | 2,376,000 | 2,405,000 |
| Risk-weighted assets | 5,376,000 | 5,378,000 | 5,683,000 | 6,001,000 |