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 | 67,208,000 | 69,257,000 | 69,168,000 | 70,230,000 |
| Total loans | 47,346,000 | 49,095,000 | 48,986,000 | 51,518,000 |
| Allowance for loan losses | 554,000 | 556,000 | 550,000 | 537,000 |
| Securities available for sale | 15,350,000 | 15,103,000 | 14,131,000 | 13,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,372,000 | 58,522,000 | 57,177,000 | 58,338,000 |
| Interest-bearing deposits | 51,295,000 | 51,324,000 | 49,651,000 | 49,446,000 |
| Noninterest-bearing deposits | 8,077,000 | 7,198,000 | 7,526,000 | 8,892,000 |
| Equity capital | 6,139,000 | 6,374,000 | 6,501,000 | 6,245,000 |
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 | 909,000 | 1,919,000 | 2,974,000 | 4,018,000 |
| Interest expense | 222,000 | 473,000 | 762,000 | 1,051,000 |
| Net interest income | 687,000 | 1,446,000 | 2,212,000 | 2,967,000 |
| Noninterest income | 113,000 | 257,000 | 501,000 | 640,000 |
| Noninterest expense | 555,000 | 1,103,000 | 1,660,000 | 2,303,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 201,000 | 556,000 | 1,009,000 | 1,260,000 |
| Income tax | 9,000 | 24,000 | 43,000 | 54,000 |
| Net income | 192,000 | 532,000 | 966,000 | 1,206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,297,000 | 6,445,000 | 6,636,000 | 6,433,000 |
| Total capital | 6,851,000 | 7,001,000 | 7,186,000 | 6,970,000 |
| Risk-weighted assets | 44,740,000 | 45,843,000 | 46,953,000 | 48,640,000 |