Call reports 2005
FIRST COMMUNITY STATE BANK — 2005
What FIRST COMMUNITY 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 | 42,442,000 | 42,226,000 | 35,280,000 | 35,745,000 |
| Total loans | 26,370,000 | 26,580,000 | 27,382,000 | 27,385,000 |
| Allowance for loan losses | 322,000 | 322,000 | 322,000 | 368,000 |
| Securities available for sale | 4,345,000 | 7,463,000 | 1,765,000 | 1,650,000 |
| Securities held to maturity | 410,000 | 910,000 | 910,000 | 909,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,185,000 | 37,885,000 | 30,837,000 | 31,329,000 |
| Interest-bearing deposits | 35,111,000 | 34,433,000 | 28,094,000 | 28,086,000 |
| Noninterest-bearing deposits | 3,074,000 | 3,452,000 | 2,743,000 | 3,244,000 |
| Equity capital | 3,707,000 | 3,790,000 | 3,878,000 | 3,856,000 |
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 | 507,000 | 1,039,000 | 1,558,000 | 2,088,000 |
| Interest expense | 171,000 | 345,000 | 506,000 | 675,000 |
| Net interest income | 336,000 | 694,000 | 1,052,000 | 1,413,000 |
| Noninterest income | 59,000 | 102,000 | 148,000 | 194,000 |
| Noninterest expense | 267,000 | 547,000 | 811,000 | 1,119,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 128,000 | 249,000 | 389,000 | 438,000 |
| Income tax | 44,000 | 83,000 | 133,000 | 149,000 |
| Net income | 84,000 | 166,000 | 256,000 | 289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,716,000 | 3,798,000 | 3,888,000 | 3,866,000 |
| Total capital | 4,038,000 | 4,120,000 | 4,210,000 | 4,219,000 |
| Risk-weighted assets | 28,793,000 | 28,867,000 | 28,257,000 | 28,219,000 |
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