Call reports 2005
FIRST STATE BANK OF WEST SALEM — 2005
What FIRST STATE BANK OF WEST SALEM 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 | 15,233,000 | 14,974,000 | 14,892,000 | 15,573,000 |
| Total loans | 6,192,000 | 6,099,000 | 6,226,000 | 5,897,000 |
| Allowance for loan losses | 115,000 | 111,000 | 114,000 | 117,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,852,000 | 7,980,000 | 7,928,000 | 8,068,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,000,000 | 11,722,000 | 11,611,000 | 12,358,000 |
| Interest-bearing deposits | 9,476,000 | 9,402,000 | 9,164,000 | 9,486,000 |
| Noninterest-bearing deposits | 2,524,000 | 2,320,000 | 2,447,000 | 2,872,000 |
| Equity capital | 3,175,000 | 3,206,000 | 3,229,000 | 3,164,000 |
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 | 156,000 | 322,000 | 486,000 | 657,000 |
| Interest expense | 30,000 | 62,000 | 96,000 | 133,000 |
| Net interest income | 126,000 | 260,000 | 390,000 | 524,000 |
| Noninterest income | 14,000 | 27,000 | 44,000 | 60,000 |
| Noninterest expense | 105,000 | 205,000 | 320,000 | 429,000 |
| Provision for loan losses | 2,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 33,000 | 76,000 | 105,000 | 143,000 |
| Income tax | 7,000 | 19,000 | 25,000 | 32,000 |
| Net income | 26,000 | 57,000 | 80,000 | 111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,175,000 | 3,206,000 | 3,229,000 | 3,164,000 |
| Total capital | 3,269,000 | 3,298,000 | 3,321,000 | 3,255,000 |
| Risk-weighted assets | 7,472,000 | 7,328,000 | 7,375,000 | 7,265,000 |
Machine access — free, no API key
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