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 | 33,981,000 | 36,842,000 | 37,026,000 | 38,991,000 |
| Total loans | 16,172,000 | 17,826,000 | 19,678,000 | 19,426,000 |
| Allowance for loan losses | 436,000 | 460,000 | 465,000 | 386,000 |
| Securities available for sale | 14,895,000 | 15,463,000 | 13,997,000 | 15,208,000 |
| Securities held to maturity | 30,000 | 30,000 | 30,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,271,000 | 33,015,000 | 33,142,000 | 35,133,000 |
| Interest-bearing deposits | 27,426,000 | 29,378,000 | 29,037,000 | 30,273,000 |
| Noninterest-bearing deposits | 2,845,000 | 3,637,000 | 4,105,000 | 4,860,000 |
| Equity capital | 2,850,000 | 3,080,000 | 3,096,000 | 3,115,000 |
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 | 459,000 | 933,000 | 1,462,000 | 2,040,000 |
| Interest expense | 186,000 | 390,000 | 610,000 | 848,000 |
| Net interest income | 273,000 | 543,000 | 852,000 | 1,192,000 |
| Noninterest income | 83,000 | 125,000 | 179,000 | 229,000 |
| Noninterest expense | 167,000 | 344,000 | 524,000 | 772,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | -73,000 |
| Pretax income | 186,000 | 318,000 | 477,000 | 607,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 26,000 |
| Net income | 180,000 | 306,000 | 459,000 | 581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,026,000 | 3,103,000 | 3,205,000 | 3,267,000 |
| Total capital | 3,344,000 | 3,452,000 | 3,570,000 | 3,638,000 |
| Risk-weighted assets | 25,290,000 | 27,822,000 | 29,091,000 | 29,662,000 |