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 | 29,336,000 | 28,775,000 | 30,027,000 | 30,750,000 |
| Total loans | 19,605,000 | 21,878,000 | 22,674,000 | 22,144,000 |
| Allowance for loan losses | 278,000 | 278,000 | 278,000 | 278,000 |
| Securities available for sale | 4,063,000 | 3,900,000 | 3,667,000 | 3,846,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,919,000 | 22,133,000 | 22,376,000 | 23,238,000 |
| Interest-bearing deposits | 19,543,000 | 18,473,000 | 18,833,000 | 18,725,000 |
| Noninterest-bearing deposits | 3,376,000 | 3,660,000 | 3,543,000 | 4,513,000 |
| Equity capital | 4,882,000 | 5,030,000 | 5,148,000 | 5,000,000 |
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 | 360,000 | 755,000 | 1,196,000 | 1,655,000 |
| Interest expense | 76,000 | 156,000 | 246,000 | 342,000 |
| Net interest income | 284,000 | 599,000 | 950,000 | 1,313,000 |
| Noninterest income | 20,000 | 55,000 | 99,000 | 133,000 |
| Noninterest expense | 245,000 | 477,000 | 718,000 | 979,000 |
| Provision for loan losses | 0 | 0 | 0 | 67,000 |
| Pretax income | 63,000 | 181,000 | 335,000 | 404,000 |
| Income tax | 18,000 | 12,000 | 30,000 | 34,000 |
| Net income | 45,000 | 169,000 | 305,000 | 370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,921,000 | 5,044,000 | 5,180,000 | 5,043,000 |
| Total capital | 5,199,000 | 5,322,000 | 5,458,000 | 5,321,000 |
| Risk-weighted assets | 22,225,000 | 24,038,000 | 25,213,000 | 25,160,000 |