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 | 62,677,000 | 64,844,000 | 69,091,000 | 69,590,000 |
| Total loans | 49,712,000 | 48,022,000 | 52,525,000 | 53,699,000 |
| Allowance for loan losses | 460,000 | 574,000 | 593,000 | 567,000 |
| Securities available for sale | 7,983,000 | 8,219,000 | 8,435,000 | 7,647,000 |
| Securities held to maturity | 8,000 | 7,000 | 6,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,549,000 | 52,196,000 | 56,623,000 | 57,740,000 |
| Interest-bearing deposits | 38,717,000 | 37,394,000 | 39,904,000 | 39,542,000 |
| Noninterest-bearing deposits | 11,832,000 | 14,802,000 | 16,719,000 | 18,198,000 |
| Equity capital | 6,317,000 | 6,491,000 | 6,708,000 | 6,917,000 |
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 | 1,010,000 | 2,115,000 | 3,421,000 | 4,806,000 |
| Interest expense | 215,000 | 475,000 | 761,000 | 1,053,000 |
| Net interest income | 795,000 | 1,640,000 | 2,660,000 | 3,753,000 |
| Noninterest income | 77,000 | 158,000 | 243,000 | 254,000 |
| Noninterest expense | 665,000 | 1,317,000 | 1,995,000 | 2,703,000 |
| Provision for loan losses | 33,000 | 62,000 | 84,000 | 97,000 |
| Pretax income | 174,000 | 419,000 | 824,000 | 1,207,000 |
| Income tax | 39,000 | 144,000 | 307,000 | 480,000 |
| Net income | 135,000 | 275,000 | 517,000 | 727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,410,000 | 6,550,000 | 6,792,000 | 7,001,000 |
| Total capital | 6,929,000 | 7,187,000 | 7,451,000 | 7,631,000 |
| Risk-weighted assets | 56,145,000 | 55,512,000 | 59,932,000 | 60,858,000 |