Call reports 2005
FIRST STATE BANK OF BEECHER CITY — 2005
What FIRST STATE BANK OF BEECHER CITY 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 | 37,644,000 | 37,879,000 | 36,918,000 | 38,065,000 |
| Total loans | 28,201,000 | 29,590,000 | 30,291,000 | 30,610,000 |
| Allowance for loan losses | 498,000 | 497,000 | 507,000 | 495,000 |
| Securities available for sale | 4,949,000 | 4,380,000 | 4,200,000 | 4,417,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,398,000 | 31,455,000 | 30,289,000 | 31,223,000 |
| Interest-bearing deposits | 26,655,000 | 26,852,000 | 26,159,000 | 26,810,000 |
| Noninterest-bearing deposits | 4,743,000 | 4,603,000 | 4,130,000 | 4,413,000 |
| Equity capital | 6,143,000 | 6,330,000 | 6,509,000 | 6,669,000 |
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 | 572,000 | 1,179,000 | 1,815,000 | 2,461,000 |
| Interest expense | 127,000 | 262,000 | 411,000 | 573,000 |
| Net interest income | 445,000 | 917,000 | 1,404,000 | 1,888,000 |
| Noninterest income | 59,000 | 114,000 | 172,000 | 232,000 |
| Noninterest expense | 243,000 | 491,000 | 747,000 | 1,084,000 |
| Provision for loan losses | 0 | 0 | 0 | 31,000 |
| Pretax income | 261,000 | 540,000 | 829,000 | 1,005,000 |
| Income tax | 8,000 | 8,000 | 8,000 | 8,000 |
| Net income | 253,000 | 532,000 | 821,000 | 997,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,124,000 | 6,310,000 | 6,505,000 | 6,681,000 |
| Total capital | 6,453,000 | 6,652,000 | 6,853,000 | 7,035,000 |
| Risk-weighted assets | 26,219,000 | 27,254,000 | 27,689,000 | 28,169,000 |
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