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 | 66,162,000 | 66,845,000 | 64,929,000 | 69,215,000 |
| Total loans | 27,133,000 | 26,970,000 | 28,471,000 | 32,904,000 |
| Allowance for loan losses | 284,000 | 271,000 | 289,000 | 302,000 |
| Securities available for sale | 34,837,000 | 33,871,000 | 31,642,000 | 31,440,000 |
| Securities held to maturity | 152,000 | 134,000 | 133,000 | 119,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,924,000 | 53,787,000 | 51,367,000 | 55,359,000 |
| Interest-bearing deposits | 47,959,000 | 48,181,000 | 46,251,000 | 47,427,000 |
| Noninterest-bearing deposits | 5,965,000 | 5,606,000 | 5,116,000 | 7,932,000 |
| Equity capital | 8,105,000 | 8,435,000 | 8,434,000 | 7,917,000 |
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 | 737,000 | 1,491,000 | 2,257,000 | 3,073,000 |
| Interest expense | 304,000 | 635,000 | 966,000 | 1,309,000 |
| Net interest income | 433,000 | 856,000 | 1,291,000 | 1,764,000 |
| Noninterest income | 102,000 | 214,000 | 309,000 | 413,000 |
| Noninterest expense | 324,000 | 651,000 | 983,000 | 1,315,000 |
| Provision for loan losses | -25,000 | -35,000 | -50,000 | -40,000 |
| Pretax income | 236,000 | 452,000 | 633,000 | 867,000 |
| Income tax | 24,000 | 54,000 | 67,000 | 97,000 |
| Net income | 212,000 | 398,000 | 566,000 | 770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,211,000 | 8,347,000 | 8,465,000 | 8,108,000 |
| Total capital | 8,495,000 | 8,618,000 | 8,754,000 | 8,410,000 |
| Risk-weighted assets | 36,623,000 | 36,060,000 | 37,349,000 | 41,412,000 |
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