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 | 168,947,000 | 164,299,000 | 163,631,000 | 172,212,000 |
| Total loans | 111,247,000 | 112,737,000 | 112,753,000 | 114,921,000 |
| Allowance for loan losses | 1,057,000 | 1,054,000 | 1,044,000 | 1,038,000 |
| Securities available for sale | 37,229,000 | 36,237,000 | 34,753,000 | 39,426,000 |
| Securities held to maturity | 2,975,000 | 3,183,000 | 3,036,000 | 2,971,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,278,000 | 124,243,000 | 121,860,000 | 129,305,000 |
| Interest-bearing deposits | 108,423,000 | 106,036,000 | 103,522,000 | 110,377,000 |
| Noninterest-bearing deposits | 20,855,000 | 18,207,000 | 18,338,000 | 18,928,000 |
| Equity capital | 16,623,000 | 17,264,000 | 17,503,000 | 17,945,000 |
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 | 2,051,000 | 4,183,000 | 6,332,000 | 8,602,000 |
| Interest expense | 825,000 | 1,735,000 | 2,696,000 | 3,733,000 |
| Net interest income | 1,226,000 | 2,448,000 | 3,636,000 | 4,869,000 |
| Noninterest income | 789,000 | 1,491,000 | 2,237,000 | 3,202,000 |
| Noninterest expense | 1,313,000 | 2,623,000 | 3,977,000 | 5,371,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 704,000 | 1,318,000 | 1,898,000 | 2,702,000 |
| Income tax | 233,000 | 431,000 | 616,000 | 878,000 |
| Net income | 471,000 | 887,000 | 1,282,000 | 1,824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,576,000 | 15,062,000 | 15,526,000 | 16,139,000 |
| Total capital | 15,633,000 | 16,116,000 | 16,570,000 | 17,177,000 |
| Risk-weighted assets | 118,331,000 | 118,625,000 | 119,569,000 | 123,640,000 |