Call reports 2005
FIRST STATE BANK — 2005
What FIRST 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 | 59,394,000 | 59,309,000 | 59,107,000 | 60,249,000 |
| Total loans | 39,546,000 | 40,165,000 | 40,609,000 | 41,137,000 |
| Allowance for loan losses | 552,000 | 552,000 | 552,000 | 552,000 |
| Securities available for sale | 15,439,000 | 14,820,000 | 14,236,000 | 15,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,764,000 | 52,412,000 | 50,387,000 | 51,739,000 |
| Interest-bearing deposits | 49,156,000 | 49,094,000 | 47,147,000 | 48,049,000 |
| Noninterest-bearing deposits | 3,608,000 | 3,318,000 | 3,240,000 | 3,690,000 |
| Equity capital | 5,424,000 | 5,657,000 | 5,776,000 | 5,600,000 |
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 | 833,000 | 1,685,000 | 2,538,000 | 3,406,000 |
| Interest expense | 257,000 | 544,000 | 865,000 | 1,193,000 |
| Net interest income | 576,000 | 1,141,000 | 1,673,000 | 2,213,000 |
| Noninterest income | 34,000 | 65,000 | 97,000 | 193,000 |
| Noninterest expense | 263,000 | 620,000 | 918,000 | 1,336,000 |
| Provision for loan losses | -1,000 | -1,000 | 1,000 | 154,000 |
| Pretax income | 349,000 | 577,000 | 848,000 | 913,000 |
| Income tax | 87,000 | 172,000 | 260,000 | 258,000 |
| Net income | 262,000 | 405,000 | 588,000 | 655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,515,000 | 5,658,000 | 5,841,000 | 5,708,000 |
| Total capital | 6,067,000 | 6,210,000 | 6,393,000 | 6,260,000 |
| Risk-weighted assets | 45,117,000 | 45,639,000 | 45,959,000 | 46,499,000 |
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