Call reports 2005
FIRST STATE BANK OF DEKALB COUNTY, INC. — 2005
What FIRST STATE BANK OF DEKALB COUNTY, 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 | 73,836,000 | 72,183,000 | 79,372,000 | 84,707,000 |
| Total loans | 47,181,000 | 48,277,000 | 49,256,000 | 49,263,000 |
| Allowance for loan losses | 438,000 | 382,000 | 402,000 | 406,000 |
| Securities available for sale | 16,316,000 | 16,487,000 | 17,163,000 | 17,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,665,000 | 62,729,000 | 69,650,000 | 74,815,000 |
| Interest-bearing deposits | 48,646,000 | 48,564,000 | 54,553,000 | 59,078,000 |
| Noninterest-bearing deposits | 16,019,000 | 14,165,000 | 15,097,000 | 15,737,000 |
| Equity capital | 8,898,000 | 9,206,000 | 9,433,000 | 9,544,000 |
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 | 967,000 | 2,012,000 | 3,151,000 | 4,407,000 |
| Interest expense | 221,000 | 482,000 | 787,000 | 1,195,000 |
| Net interest income | 746,000 | 1,530,000 | 2,364,000 | 3,212,000 |
| Noninterest income | 97,000 | 188,000 | 279,000 | 482,000 |
| Noninterest expense | 532,000 | 1,054,000 | 1,636,000 | 2,391,000 |
| Provision for loan losses | 30,000 | 50,000 | 80,000 | 115,000 |
| Pretax income | 281,000 | 614,000 | 927,000 | 1,188,000 |
| Income tax | 72,000 | 146,000 | 219,000 | 356,000 |
| Net income | 209,000 | 468,000 | 708,000 | 832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,129,000 | 9,388,000 | 9,238,000 | 9,336,000 |
| Total capital | 9,567,000 | 9,770,000 | 9,640,000 | 9,742,000 |
| Risk-weighted assets | 51,219,000 | 52,211,000 | 54,425,000 | 55,452,000 |