Call reports 2005
PECOS COUNTY STATE BANK, THE — 2005
What PECOS COUNTY STATE BANK, THE 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 | 94,037,000 | 91,429,000 | 86,372,000 | 91,420,000 |
| Total loans | 35,796,000 | 36,210,000 | 37,496,000 | 42,701,000 |
| Allowance for loan losses | 379,000 | 469,000 | 551,000 | 606,000 |
| Securities available for sale | 45,179,000 | 41,521,000 | 39,901,000 | 38,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,381,000 | 83,794,000 | 78,153,000 | 83,440,000 |
| Interest-bearing deposits | 67,746,000 | 63,084,000 | 58,727,000 | 59,629,000 |
| Noninterest-bearing deposits | 19,635,000 | 20,710,000 | 19,426,000 | 23,811,000 |
| Equity capital | 6,501,000 | 7,412,000 | 7,682,000 | 7,259,000 |
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 | 1,297,000 | 2,603,000 | 3,906,000 | 5,255,000 |
| Interest expense | 395,000 | 746,000 | 1,080,000 | 1,440,000 |
| Net interest income | 902,000 | 1,857,000 | 2,826,000 | 3,815,000 |
| Noninterest income | 275,000 | 511,000 | 756,000 | 979,000 |
| Noninterest expense | 713,000 | 1,388,000 | 2,082,000 | 2,780,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 363,000 | 738,000 | 1,133,000 | 1,527,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 363,000 | 738,000 | 1,133,000 | 1,527,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,556,000 | 7,932,000 | 8,327,000 | 8,325,000 |
| Total capital | 7,935,000 | 8,401,000 | 8,872,000 | 8,931,000 |
| Risk-weighted assets | 43,310,000 | 43,693,000 | 43,594,000 | 48,636,000 |