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 | 122,093,000 | 122,136,000 | 122,166,000 | 124,901,000 |
| Total loans | 62,724,000 | 65,262,000 | 66,661,000 | 66,437,000 |
| Allowance for loan losses | 245,000 | 243,000 | 238,000 | 248,000 |
| Securities available for sale | 43,467,000 | 49,395,000 | 46,835,000 | 50,561,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,397,000 | 107,052,000 | 106,888,000 | 109,456,000 |
| Interest-bearing deposits | 80,658,000 | 80,095,000 | 79,398,000 | 81,145,000 |
| Noninterest-bearing deposits | 26,739,000 | 26,957,000 | 27,490,000 | 28,311,000 |
| Equity capital | 12,116,000 | 12,299,000 | 12,423,000 | 12,611,000 |
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 | 1,580,000 | 3,210,000 | 4,868,000 | 6,596,000 |
| Interest expense | 331,000 | 715,000 | 1,124,000 | 1,564,000 |
| Net interest income | 1,249,000 | 2,495,000 | 3,744,000 | 5,032,000 |
| Noninterest income | 340,000 | 763,000 | 1,205,000 | 1,620,000 |
| Noninterest expense | 969,000 | 1,976,000 | 2,956,000 | 3,825,000 |
| Provision for loan losses | 0 | 0 | 0 | 11,000 |
| Pretax income | 620,000 | 1,282,000 | 1,993,000 | 2,816,000 |
| Income tax | 217,000 | 433,000 | 688,000 | 958,000 |
| Net income | 403,000 | 849,000 | 1,305,000 | 1,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,449,000 | 12,595,000 | 12,751,000 | 13,004,000 |
| Total capital | 12,694,000 | 12,838,000 | 12,989,000 | 13,252,000 |
| Risk-weighted assets | 58,072,000 | 59,250,000 | 60,455,000 | 61,044,000 |
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