Call reports 2005
FIRST STATE BANK OF LIVINGSTON — 2005
What FIRST STATE BANK OF LIVINGSTON 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 | 212,324,000 | 211,927,000 | 217,247,000 | 227,695,000 |
| Total loans | 104,687,000 | 103,426,000 | 104,639,000 | 102,115,000 |
| Allowance for loan losses | 946,000 | 965,000 | 973,000 | 999,000 |
| Securities available for sale | 88,244,000 | 92,396,000 | 90,309,000 | 87,636,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,278,000 | 182,613,000 | 188,176,000 | 198,693,000 |
| Interest-bearing deposits | 146,734,000 | 145,806,000 | 147,002,000 | 153,538,000 |
| Noninterest-bearing deposits | 37,544,000 | 36,807,000 | 41,174,000 | 45,155,000 |
| Equity capital | 25,781,000 | 26,954,000 | 26,915,000 | 27,316,000 |
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 | 2,720,000 | 5,500,000 | 8,332,000 | 11,290,000 |
| Interest expense | 612,000 | 1,300,000 | 2,053,000 | 2,935,000 |
| Net interest income | 2,108,000 | 4,200,000 | 6,279,000 | 8,355,000 |
| Noninterest income | 494,000 | 1,092,000 | 1,614,000 | 2,088,000 |
| Noninterest expense | 1,582,000 | 3,195,000 | 4,744,000 | 6,466,000 |
| Provision for loan losses | 30,000 | 70,000 | 110,000 | 170,000 |
| Pretax income | 990,000 | 2,027,000 | 3,039,000 | 3,807,000 |
| Income tax | 164,000 | 345,000 | 504,000 | 602,000 |
| Net income | 826,000 | 1,682,000 | 2,535,000 | 3,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,269,000 | 26,125,000 | 26,524,000 | 27,194,000 |
| Total capital | 26,215,000 | 27,090,000 | 27,497,000 | 28,193,000 |
| Risk-weighted assets | 98,073,000 | 97,216,000 | 100,655,000 | 102,822,000 |
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