Call reports 2005
FIRST STATE BANK OF FORSYTH — 2005
What FIRST STATE BANK OF FORSYTH 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 | 64,745,000 | 65,533,000 | 63,835,000 | 66,147,000 |
| Total loans | 32,204,000 | 32,673,000 | 34,310,000 | 32,305,000 |
| Allowance for loan losses | 569,000 | 539,000 | 554,000 | 530,000 |
| Securities available for sale | 24,459,000 | 24,044,000 | 23,724,000 | 24,229,000 |
| Securities held to maturity | 1,061,000 | 861,000 | 821,000 | 615,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,576,000 | 56,712,000 | 55,333,000 | 57,101,000 |
| Interest-bearing deposits | 49,435,000 | 49,821,000 | 47,697,000 | 49,091,000 |
| Noninterest-bearing deposits | 7,141,000 | 6,891,000 | 7,636,000 | 8,010,000 |
| Equity capital | 7,564,000 | 7,830,000 | 7,812,000 | 7,771,000 |
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 | 879,000 | 1,759,000 | 2,662,000 | 3,598,000 |
| Interest expense | 267,000 | 547,000 | 849,000 | 1,183,000 |
| Net interest income | 612,000 | 1,212,000 | 1,813,000 | 2,415,000 |
| Noninterest income | 59,000 | 115,000 | 181,000 | 234,000 |
| Noninterest expense | 376,000 | 746,000 | 1,136,000 | 1,512,000 |
| Provision for loan losses | 30,000 | 45,000 | 75,000 | 105,000 |
| Pretax income | 269,000 | 540,000 | 787,000 | 1,036,000 |
| Income tax | 72,000 | 145,000 | 209,000 | 273,000 |
| Net income | 197,000 | 395,000 | 578,000 | 763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,574,000 | 7,674,000 | 7,757,000 | 7,852,000 |
| Total capital | 8,073,000 | 8,178,000 | 8,280,000 | 8,358,000 |
| Risk-weighted assets | 39,818,000 | 40,287,000 | 41,863,000 | 40,467,000 |
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