Call reports 2005
FIRST STATE BANK OF OLMSTED — 2005
What FIRST STATE BANK OF OLMSTED 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 | 24,370,000 | 25,151,000 | 23,668,000 | 24,440,000 |
| Total loans | 12,968,000 | 13,892,000 | 13,561,000 | 13,323,000 |
| Allowance for loan losses | 135,000 | 141,000 | 141,000 | 142,000 |
| Securities available for sale | 3,950,000 | 4,389,000 | 4,116,000 | 4,162,000 |
| Securities held to maturity | 4,681,000 | 4,680,000 | 4,678,000 | 4,563,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,086,000 | 21,726,000 | 19,624,000 | 20,998,000 |
| Interest-bearing deposits | 17,358,000 | 17,522,000 | 16,632,000 | 17,555,000 |
| Noninterest-bearing deposits | 3,728,000 | 4,204,000 | 2,992,000 | 3,443,000 |
| Equity capital | 3,230,000 | 3,321,000 | 3,350,000 | 3,256,000 |
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 | 307,000 | 633,000 | 964,000 | 1,299,000 |
| Interest expense | 81,000 | 177,000 | 284,000 | 404,000 |
| Net interest income | 226,000 | 456,000 | 680,000 | 895,000 |
| Noninterest income | 23,000 | 60,000 | 88,000 | 126,000 |
| Noninterest expense | 148,000 | 295,000 | 450,000 | 632,000 |
| Provision for loan losses | 0 | 6,000 | 6,000 | 7,000 |
| Pretax income | 101,000 | 215,000 | 312,000 | 382,000 |
| Income tax | 22,000 | 67,000 | 117,000 | 139,000 |
| Net income | 79,000 | 148,000 | 195,000 | 243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,236,000 | 3,307,000 | 3,352,000 | 3,274,000 |
| Total capital | 3,371,000 | 3,448,000 | 3,493,000 | 3,416,000 |
| Risk-weighted assets | 12,563,000 | 13,486,000 | 12,974,000 | 12,957,000 |