Call reports 2006
FIRST STATE BANK — 2006
What FIRST STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 81,127,000 | 87,076,000 | 83,329,000 | 83,088,000 |
| Total loans | 64,096,000 | 62,818,000 | 58,285,000 | 59,391,000 |
| Allowance for loan losses | 622,000 | 686,000 | 743,000 | 704,000 |
| Securities available for sale | 7,409,000 | 8,230,000 | 8,633,000 | 11,201,000 |
| Securities held to maturity | 3,000 | 3,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,108,000 | 68,851,000 | 66,410,000 | 67,161,000 |
| Interest-bearing deposits | 44,169,000 | 49,391,000 | 47,871,000 | 49,822,000 |
| Noninterest-bearing deposits | 17,939,000 | 19,460,000 | 18,539,000 | 17,339,000 |
| Equity capital | 11,042,000 | 11,229,000 | 11,433,000 | 11,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,420,000 | 3,145,000 | 4,803,000 | 6,425,000 |
| Interest expense | 305,000 | 748,000 | 1,239,000 | 1,704,000 |
| Net interest income | 1,115,000 | 2,397,000 | 3,564,000 | 4,721,000 |
| Noninterest income | 43,000 | 111,000 | 182,000 | 251,000 |
| Noninterest expense | 841,000 | 1,670,000 | 2,494,000 | 3,518,000 |
| Provision for loan losses | 65,000 | 129,000 | 194,000 | 237,000 |
| Pretax income | 252,000 | 709,000 | 1,058,000 | 1,217,000 |
| Income tax | 118,000 | 308,000 | 456,000 | 463,000 |
| Net income | 134,000 | 401,000 | 602,000 | 754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,136,000 | 11,373,000 | 11,499,000 | 11,590,000 |
| Total capital | 11,820,000 | 12,122,000 | 12,305,000 | 12,357,000 |
| Risk-weighted assets | 71,228,000 | 73,189,000 | 67,802,000 | 71,206,000 |