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 | 276,926,000 | 288,981,000 | 283,031,000 | 292,279,000 |
| Total loans | 184,283,000 | 188,092,000 | 197,939,000 | 206,933,000 |
| Allowance for loan losses | 1,462,000 | 1,517,000 | 1,582,000 | 1,709,000 |
| Securities available for sale | 67,458,000 | 72,636,000 | 58,408,000 | 57,141,000 |
| Securities held to maturity | 2,843,000 | 2,842,000 | 2,843,000 | 1,871,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,884,000 | 227,646,000 | 229,564,000 | 239,022,000 |
| Interest-bearing deposits | 202,422,000 | 207,921,000 | 209,827,000 | 212,214,000 |
| Noninterest-bearing deposits | 20,462,000 | 19,725,000 | 19,737,000 | 26,808,000 |
| Equity capital | 28,177,000 | 28,910,000 | 29,143,000 | 28,832,000 |
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 | 3,367,000 | 6,890,000 | 10,468,000 | 14,268,000 |
| Interest expense | 1,323,000 | 2,924,000 | 4,525,000 | 6,316,000 |
| Net interest income | 2,044,000 | 3,966,000 | 5,943,000 | 7,952,000 |
| Noninterest income | 305,000 | 918,000 | 1,387,000 | 1,890,000 |
| Noninterest expense | 1,710,000 | 3,359,000 | 5,173,000 | 6,992,000 |
| Provision for loan losses | 575,000 | 650,000 | 725,000 | 800,000 |
| Pretax income | 89,000 | 914,000 | 1,394,000 | 2,012,000 |
| Income tax | -51,000 | 183,000 | 302,000 | 487,000 |
| Net income | 140,000 | 731,000 | 1,092,000 | 1,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,159,000 | 24,420,000 | 24,796,000 | 24,893,000 |
| Total capital | 25,621,000 | 25,937,000 | 26,378,000 | 26,602,000 |
| Risk-weighted assets | 189,821,000 | 194,174,000 | 201,883,000 | 206,039,000 |