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 | 106,422,000 | 101,937,000 | 105,534,000 | 106,324,000 |
| Total loans | 58,340,000 | 62,599,000 | 62,867,000 | 61,707,000 |
| Allowance for loan losses | 465,000 | 497,000 | 495,000 | 501,000 |
| Securities available for sale | 33,721,000 | 33,309,000 | 32,176,000 | 32,679,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,680,000 | 90,782,000 | 93,898,000 | 94,769,000 |
| Interest-bearing deposits | 84,651,000 | 81,006,000 | 82,350,000 | 80,835,000 |
| Noninterest-bearing deposits | 11,029,000 | 9,776,000 | 11,548,000 | 13,934,000 |
| Equity capital | 9,775,000 | 10,260,000 | 10,496,000 | 10,610,000 |
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 | 1,246,000 | 2,577,000 | 3,947,000 | 5,355,000 |
| Interest expense | 467,000 | 932,000 | 1,429,000 | 1,954,000 |
| Net interest income | 779,000 | 1,645,000 | 2,518,000 | 3,401,000 |
| Noninterest income | 124,000 | 268,000 | 426,000 | 555,000 |
| Noninterest expense | 595,000 | 1,256,000 | 1,849,000 | 2,478,000 |
| Provision for loan losses | 60,000 | 90,000 | 100,000 | 105,000 |
| Pretax income | 248,000 | 567,000 | 995,000 | 1,373,000 |
| Income tax | 12,000 | 29,000 | 49,000 | 68,000 |
| Net income | 236,000 | 538,000 | 946,000 | 1,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,098,000 | 10,300,000 | 10,658,000 | 10,954,000 |
| Total capital | 10,563,000 | 10,797,000 | 11,153,000 | 11,455,000 |
| Risk-weighted assets | 62,571,000 | 66,579,000 | 67,004,000 | 66,614,000 |
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