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 | 181,826,000 | 181,514,000 | 181,360,000 | 182,096,000 |
| Total loans | 131,097,000 | 132,894,000 | 134,842,000 | 140,766,000 |
| Allowance for loan losses | 2,940,000 | 1,912,000 | 1,907,000 | 4,042,000 |
| Securities available for sale | 24,276,000 | 24,297,000 | 23,370,000 | 21,463,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,783,000 | 150,886,000 | 150,050,000 | 146,124,000 |
| Interest-bearing deposits | 97,942,000 | 99,915,000 | 97,229,000 | 94,914,000 |
| Noninterest-bearing deposits | 53,841,000 | 50,971,000 | 52,821,000 | 51,210,000 |
| Equity capital | 27,869,000 | 28,290,000 | 28,412,000 | 26,966,000 |
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 | 2,891,000 | 5,743,000 | 8,681,000 | 11,756,000 |
| Interest expense | 461,000 | 985,000 | 1,551,000 | 2,155,000 |
| Net interest income | 2,430,000 | 4,758,000 | 7,130,000 | 9,601,000 |
| Noninterest income | 811,000 | 1,744,000 | 2,617,000 | 3,543,000 |
| Noninterest expense | 2,080,000 | 4,020,000 | 5,961,000 | 7,707,000 |
| Provision for loan losses | 500,000 | 1,250,000 | 2,400,000 | 5,957,000 |
| Pretax income | 661,000 | 1,232,000 | 1,386,000 | -549,000 |
| Income tax | 160,000 | 296,000 | 291,000 | -260,000 |
| Net income | 501,000 | 936,000 | 1,095,000 | -289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,828,000 | 28,262,000 | 28,421,000 | 27,038,000 |
| Total capital | 29,628,000 | 30,059,000 | 30,242,000 | 28,839,000 |
| Risk-weighted assets | 142,852,000 | 143,659,000 | 145,594,000 | 141,811,000 |