Call reports 2005
FIRST STATE BANK, INC. — 2005
What FIRST STATE BANK, INC. 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 | 24,476,000 | 23,633,000 | 23,147,000 | 23,337,000 |
| Total loans | 16,881,000 | 16,161,000 | 15,502,000 | 14,671,000 |
| Allowance for loan losses | 224,000 | 297,000 | 289,000 | 287,000 |
| Securities available for sale | 4,041,000 | 3,996,000 | 3,884,000 | 3,751,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,556,000 | 18,809,000 | 18,397,000 | 18,282,000 |
| Interest-bearing deposits | 16,904,000 | 16,482,000 | 15,483,000 | 15,651,000 |
| Noninterest-bearing deposits | 2,652,000 | 2,327,000 | 2,914,000 | 2,631,000 |
| Equity capital | 1,792,000 | 1,787,000 | 1,788,000 | 2,323,000 |
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 | 357,000 | 722,000 | 1,066,000 | 1,390,000 |
| Interest expense | 124,000 | 245,000 | 366,000 | 491,000 |
| Net interest income | 233,000 | 477,000 | 700,000 | 899,000 |
| Noninterest income | 10,000 | 66,000 | 132,000 | 170,000 |
| Noninterest expense | 255,000 | 509,000 | 775,000 | 1,111,000 |
| Provision for loan losses | 55,000 | 130,000 | 145,000 | 160,000 |
| Pretax income | -67,000 | -96,000 | -88,000 | -202,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -67,000 | -96,000 | -88,000 | -202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,841,000 | 1,812,000 | 1,820,000 | 2,390,000 |
| Total capital | 2,033,000 | 1,994,000 | 1,996,000 | 2,559,000 |
| Risk-weighted assets | 15,293,000 | 14,470,000 | 13,972,000 | 13,405,000 |