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 | 95,014,000 | 95,334,000 | 92,580,000 | 94,960,000 |
| Total loans | 17,055,000 | 17,116,000 | 16,953,000 | 16,387,000 |
| Allowance for loan losses | 479,000 | 506,000 | 489,000 | 460,000 |
| Securities available for sale | 400,000 | 436,000 | 493,000 | 493,000 |
| Securities held to maturity | 68,996,000 | 66,896,000 | 66,798,000 | 64,701,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,530,000 | 87,037,000 | 84,106,000 | 86,512,000 |
| Interest-bearing deposits | 72,861,000 | 71,721,000 | 68,921,000 | 69,618,000 |
| Noninterest-bearing deposits | 13,669,000 | 15,316,000 | 15,185,000 | 16,894,000 |
| Equity capital | 8,164,000 | 8,019,000 | 8,117,000 | 8,236,000 |
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 | 1,238,000 | 2,466,000 | 3,695,000 | 4,946,000 |
| Interest expense | 235,000 | 533,000 | 894,000 | 1,301,000 |
| Net interest income | 1,003,000 | 1,933,000 | 2,801,000 | 3,645,000 |
| Noninterest income | 171,000 | 306,000 | 450,000 | 589,000 |
| Noninterest expense | 869,000 | 1,743,000 | 2,648,000 | 3,514,000 |
| Provision for loan losses | 30,000 | 60,000 | 70,000 | 70,000 |
| Pretax income | 275,000 | 436,000 | 533,000 | 650,000 |
| Income tax | 92,000 | 145,000 | 182,000 | 180,000 |
| Net income | 183,000 | 291,000 | 351,000 | 470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,044,000 | 7,832,000 | 7,898,000 | 8,023,000 |
| Total capital | 8,553,000 | 8,381,000 | 8,322,000 | 8,466,000 |
| Risk-weighted assets | 33,313,000 | 36,139,000 | 23,766,000 | 25,299,000 |
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