Call reports 2005
FIRST AMERICAN STATE BANK — 2005
What FIRST AMERICAN 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 | 87,606,000 | 85,067,000 | 81,874,000 | 83,371,000 |
| Total loans | 44,469,000 | 47,140,000 | 45,306,000 | 44,282,000 |
| Allowance for loan losses | 837,000 | 498,000 | 493,000 | 496,000 |
| Securities available for sale | 14,254,000 | 12,780,000 | 12,176,000 | 9,569,000 |
| Securities held to maturity | 11,831,000 | 10,787,000 | 9,290,000 | 10,720,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,064,000 | 76,559,000 | 73,254,000 | 74,772,000 |
| Interest-bearing deposits | 69,353,000 | 66,481,000 | 8,966,000 | 63,398,000 |
| Noninterest-bearing deposits | 9,711,000 | 10,078,000 | 64,288,000 | 11,374,000 |
| Equity capital | 7,230,000 | 7,126,000 | 7,229,000 | 7,299,000 |
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 | 1,023,000 | 2,059,000 | 3,124,000 | 4,214,000 |
| Interest expense | 315,000 | 665,000 | 1,027,000 | 1,425,000 |
| Net interest income | 708,000 | 1,394,000 | 2,097,000 | 2,789,000 |
| Noninterest income | 133,000 | 258,000 | 447,000 | 589,000 |
| Noninterest expense | 680,000 | 1,394,000 | 2,132,000 | 2,816,000 |
| Provision for loan losses | 30,000 | 362,000 | 362,000 | 362,000 |
| Pretax income | 131,000 | -104,000 | 50,000 | 200,000 |
| Income tax | 26,000 | -52,000 | -10,000 | 34,000 |
| Net income | 105,000 | -52,000 | 60,000 | 166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,350,000 | 7,193,000 | 7,306,000 | 7,412,000 |
| Total capital | 7,997,000 | 7,691,000 | 7,799,000 | 7,908,000 |
| Risk-weighted assets | 50,809,000 | 51,263,000 | 48,778,000 | 49,090,000 |