Call reports 2005
SECURITY STATE BANK OF HOWARD LAKE — 2005
What SECURITY STATE BANK OF HOWARD LAKE 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 | 81,195,000 | 87,049,000 | 86,227,000 | 86,914,000 |
| Total loans | 60,590,000 | 59,902,000 | 61,821,000 | 61,801,000 |
| Allowance for loan losses | 601,000 | 587,000 | 641,000 | 631,000 |
| Securities available for sale | 12,830,000 | 13,461,000 | 15,485,000 | 15,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,467,000 | 74,986,000 | 73,794,000 | 74,632,000 |
| Interest-bearing deposits | 59,142,000 | 64,842,000 | 62,677,000 | 63,963,000 |
| Noninterest-bearing deposits | 10,325,000 | 10,143,000 | 11,117,000 | 10,669,000 |
| Equity capital | 6,249,000 | 7,020,000 | 7,112,000 | 7,341,000 |
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 | 1,200,000 | 2,593,000 | 3,976,000 | 5,446,000 |
| Interest expense | 390,000 | 860,000 | 1,407,000 | 1,930,000 |
| Net interest income | 810,000 | 1,733,000 | 2,569,000 | 3,516,000 |
| Noninterest income | 106,000 | 196,000 | 316,000 | 441,000 |
| Noninterest expense | 402,000 | 854,000 | 1,292,000 | 1,803,000 |
| Provision for loan losses | 0 | 8,000 | 69,000 | 88,000 |
| Pretax income | 515,000 | 1,068,000 | 1,526,000 | 2,068,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 512,000 | 1,065,000 | 1,523,000 | 2,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,121,000 | 6,742,000 | 6,948,000 | 7,282,000 |
| Total capital | 6,722,000 | 7,329,000 | 7,589,000 | 7,913,000 |
| Risk-weighted assets | 67,218,000 | 67,024,000 | 70,010,000 | 68,965,000 |