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 | 265,825,000 | 264,035,000 | 271,295,000 | 288,790,000 |
| Total loans | 101,578,000 | 100,971,000 | 107,326,000 | 119,468,000 |
| Allowance for loan losses | 1,974,000 | 1,764,000 | 1,844,000 | 1,577,000 |
| Securities available for sale | 107,502,000 | 109,697,000 | 110,735,000 | 116,795,000 |
| Securities held to maturity | 43,444,000 | 40,642,000 | 38,903,000 | 37,766,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,461,000 | 203,006,000 | 211,487,000 | 226,536,000 |
| Interest-bearing deposits | 187,850,000 | 186,033,000 | 193,951,000 | 207,524,000 |
| Noninterest-bearing deposits | 18,611,000 | 16,973,000 | 17,536,000 | 19,012,000 |
| Equity capital | 17,626,000 | 18,457,000 | 18,140,000 | 17,964,000 |
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 | 3,089,000 | 6,272,000 | 9,562,000 | 13,074,000 |
| Interest expense | 1,535,000 | 3,226,000 | 5,073,000 | 7,185,000 |
| Net interest income | 1,554,000 | 3,046,000 | 4,489,000 | 5,889,000 |
| Noninterest income | 313,000 | 599,000 | 955,000 | 1,269,000 |
| Noninterest expense | 1,456,000 | 2,947,000 | 4,465,000 | 5,795,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 0 |
| Pretax income | 366,000 | 672,000 | 1,024,000 | 1,458,000 |
| Income tax | 14,000 | 26,000 | 59,000 | 137,000 |
| Net income | 352,000 | 646,000 | 965,000 | 1,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,876,000 | 19,044,000 | 19,253,000 | 19,499,000 |
| Total capital | 20,538,000 | 20,694,000 | 20,925,000 | 21,076,000 |
| Risk-weighted assets | 132,642,000 | 131,860,000 | 133,615,000 | 154,217,000 |
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