Call reports 2005
FIRST STATE BANK OF NEWCASTLE — 2005
What FIRST STATE BANK OF NEWCASTLE 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 | 101,248,000 | 98,383,000 | 101,258,000 | 103,559,000 |
| Total loans | 33,642,000 | 33,697,000 | 34,823,000 | 34,892,000 |
| Allowance for loan losses | 323,000 | 261,000 | 270,000 | 304,000 |
| Securities available for sale | 57,629,000 | 54,217,000 | 56,057,000 | 57,907,000 |
| Securities held to maturity | 5,978,000 | 5,699,000 | 5,029,000 | 4,768,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,940,000 | 80,274,000 | 83,012,000 | 85,795,000 |
| Interest-bearing deposits | 67,736,000 | 65,765,000 | 64,641,000 | 66,370,000 |
| Noninterest-bearing deposits | 14,204,000 | 14,509,000 | 18,371,000 | 19,425,000 |
| Equity capital | 17,156,000 | 17,906,000 | 18,040,000 | 17,414,000 |
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 | 1,251,000 | 2,498,000 | 3,775,000 | 5,104,000 |
| Interest expense | 315,000 | 651,000 | 994,000 | 1,367,000 |
| Net interest income | 936,000 | 1,847,000 | 2,781,000 | 3,737,000 |
| Noninterest income | 114,000 | 255,000 | 390,000 | 510,000 |
| Noninterest expense | 466,000 | 938,000 | 1,416,000 | 2,119,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 90,000 |
| Pretax income | 541,000 | 1,057,000 | 1,645,000 | 1,982,000 |
| Income tax | 99,000 | 99,000 | 99,000 | 99,000 |
| Net income | 442,000 | 958,000 | 1,546,000 | 1,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,907,000 | 18,125,000 | 18,415,000 | 18,254,000 |
| Total capital | 18,230,000 | 18,386,000 | 18,685,000 | 18,558,000 |
| Risk-weighted assets | 47,741,000 | 46,910,000 | 48,325,000 | 48,785,000 |