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 | 35,762,000 | 35,872,000 | 35,531,000 | 37,092,000 |
| Total loans | 24,801,000 | 25,464,000 | 25,943,000 | 25,872,000 |
| Allowance for loan losses | 303,000 | 309,000 | 308,000 | 296,000 |
| Securities available for sale | 7,286,000 | 6,726,000 | 6,679,000 | 6,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,882,000 | 30,942,000 | 30,532,000 | 31,983,000 |
| Interest-bearing deposits | 22,243,000 | 23,106,000 | 23,813,000 | 24,123,000 |
| Noninterest-bearing deposits | 8,639,000 | 7,836,000 | 6,719,000 | 7,860,000 |
| Equity capital | 4,792,000 | 4,899,000 | 4,966,000 | 5,076,000 |
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 | 451,000 | 924,000 | 1,416,000 | 1,915,000 |
| Interest expense | 81,000 | 176,000 | 288,000 | 422,000 |
| Net interest income | 370,000 | 748,000 | 1,128,000 | 1,493,000 |
| Noninterest income | 85,000 | 165,000 | 241,000 | 318,000 |
| Noninterest expense | 264,000 | 544,000 | 820,000 | 1,092,000 |
| Provision for loan losses | 3,000 | 4,000 | 6,000 | 6,000 |
| Pretax income | 188,000 | 365,000 | 543,000 | 713,000 |
| Income tax | 63,000 | 124,000 | 184,000 | 241,000 |
| Net income | 125,000 | 241,000 | 359,000 | 472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,829,000 | 4,945,000 | 5,015,000 | 5,128,000 |
| Total capital | 5,107,000 | 5,228,000 | 5,299,000 | 5,417,000 |
| Risk-weighted assets | 22,192,000 | 22,580,000 | 22,714,000 | 23,129,000 |