Call reports 2015
FIRST STATE BANK — 2015
What FIRST STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 60,076,000 | 62,604,000 | 61,238,000 | 58,189,000 |
| Total loans | 38,477,000 | 40,970,000 | 37,409,000 | 35,699,000 |
| Allowance for loan losses | 513,000 | 538,000 | 538,000 | 563,000 |
| Securities available for sale | 6,204,000 | 5,030,000 | 4,764,000 | 4,181,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,655,000 | 44,147,000 | 44,350,000 | 42,488,000 |
| Interest-bearing deposits | 32,212,000 | 34,854,000 | 34,656,000 | 33,768,000 |
| Noninterest-bearing deposits | 8,443,000 | 9,292,000 | 9,694,000 | 8,720,000 |
| Equity capital | 6,952,000 | 7,039,000 | 7,270,000 | 7,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 555,000 | 1,148,000 | 1,775,000 | 2,350,000 |
| Interest expense | 108,000 | 218,000 | 331,000 | 445,000 |
| Net interest income | 447,000 | 930,000 | 1,444,000 | 1,905,000 |
| Noninterest income | 41,000 | 71,000 | 90,000 | 139,000 |
| Noninterest expense | 267,000 | 514,000 | 767,000 | 1,044,000 |
| Provision for loan losses | 25,000 | 50,000 | 50,000 | 75,000 |
| Pretax income | 196,000 | 436,000 | 718,000 | 930,000 |
| Income tax | 4,000 | 10,000 | 14,000 | 21,000 |
| Net income | 192,000 | 426,000 | 704,000 | 909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,948,000 | 7,092,000 | 7,277,000 | 7,391,000 |
| Total capital | 7,461,000 | 7,630,000 | 7,803,000 | 7,891,000 |
| Risk-weighted assets | 50,037,000 | 52,535,000 | 42,049,000 | 39,959,000 |