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 | 28,117,000 | 30,009,000 | 31,895,000 | 31,372,000 |
| Total loans | 22,860,000 | 26,118,000 | 26,794,000 | 26,265,000 |
| Allowance for loan losses | 289,000 | 297,000 | 307,000 | 300,000 |
| Securities available for sale | 755,000 | 699,000 | 892,000 | 477,000 |
| Securities held to maturity | 2,551,000 | 1,520,000 | 1,489,000 | 1,333,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,869,000 | 24,835,000 | 24,650,000 | 24,659,000 |
| Interest-bearing deposits | 20,779,000 | 22,026,000 | 21,158,000 | 21,375,000 |
| Noninterest-bearing deposits | 3,090,000 | 2,809,000 | 3,492,000 | 3,284,000 |
| Equity capital | 2,627,000 | 2,651,000 | 2,700,000 | 2,650,000 |
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 | 380,000 | 809,000 | 1,279,000 | 1,762,000 |
| Interest expense | 131,000 | 283,000 | 457,000 | 650,000 |
| Net interest income | 249,000 | 526,000 | 822,000 | 1,112,000 |
| Noninterest income | 26,000 | 58,000 | 105,000 | 144,000 |
| Noninterest expense | 179,000 | 366,000 | 556,000 | 812,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 20,000 |
| Pretax income | 87,000 | 199,000 | 343,000 | 423,000 |
| Income tax | 26,000 | 64,000 | 113,000 | 190,000 |
| Net income | 61,000 | 135,000 | 230,000 | 233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,328,000 | 2,353,000 | 2,400,000 | 2,351,000 |
| Total capital | 2,617,000 | 2,650,000 | 2,707,000 | 2,651,000 |
| Risk-weighted assets | 24,070,000 | 25,713,000 | 26,823,000 | 26,213,000 |
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