Call reports 2015
FIRST STATE BANK — 2015
What FIRST STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 118,635,000 | 116,775,000 | 112,804,000 | 113,139,000 |
| Total loans | 73,348,000 | 73,650,000 | 71,644,000 | 75,933,000 |
| Allowance for loan losses | 331,000 | 346,000 | 357,000 | 320,000 |
| Securities available for sale | 23,758,000 | 24,917,000 | 24,263,000 | 23,890,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,111,000 | 108,491,000 | 104,126,000 | 104,774,000 |
| Interest-bearing deposits | 82,000,000 | 82,031,000 | 76,764,000 | 76,402,000 |
| Noninterest-bearing deposits | 28,111,000 | 26,460,000 | 27,362,000 | 28,372,000 |
| Equity capital | 8,299,000 | 8,011,000 | 8,367,000 | 8,165,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 928,000 | 1,870,000 | 2,805,000 | 3,741,000 |
| Interest expense | 98,000 | 200,000 | 303,000 | 403,000 |
| Net interest income | 830,000 | 1,670,000 | 2,502,000 | 3,338,000 |
| Noninterest income | 160,000 | 290,000 | 695,000 | 1,123,000 |
| Noninterest expense | 711,000 | 1,395,000 | 2,111,000 | 2,918,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 264,000 | 535,000 | 1,041,000 | 1,482,000 |
| Income tax | 11,000 | 22,000 | 45,000 | 70,000 |
| Net income | 253,000 | 513,000 | 996,000 | 1,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,201,000 | 8,010,000 | 8,244,000 | 8,210,000 |
| Total capital | 8,532,000 | 8,356,000 | 8,601,000 | 8,530,000 |
| Risk-weighted assets | 64,359,000 | 65,480,000 | 63,095,000 | 67,922,000 |