Call reports 2005
FIRST STATE BANK OF ODEM — 2005
What FIRST STATE BANK OF ODEM 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 | 56,570,000 | 54,623,000 | 56,237,000 | 55,955,000 |
| Total loans | 15,363,000 | 15,594,000 | 14,325,000 | 15,226,000 |
| Allowance for loan losses | 151,000 | 168,000 | 161,000 | 148,000 |
| Securities available for sale | 11,403,000 | 11,990,000 | 12,476,000 | 12,310,000 |
| Securities held to maturity | 17,692,000 | 17,192,000 | 17,883,000 | 19,341,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,977,000 | 47,754,000 | 49,125,000 | 49,248,000 |
| Interest-bearing deposits | 37,854,000 | 36,317,000 | 35,611,000 | 34,706,000 |
| Noninterest-bearing deposits | 12,123,000 | 11,437,000 | 13,514,000 | 14,542,000 |
| Equity capital | 6,349,000 | 6,522,000 | 6,677,000 | 6,392,000 |
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 | 700,000 | 1,448,000 | 2,169,000 | 2,900,000 |
| Interest expense | 168,000 | 331,000 | 500,000 | 677,000 |
| Net interest income | 532,000 | 1,117,000 | 1,669,000 | 2,223,000 |
| Noninterest income | 88,000 | 183,000 | 293,000 | 406,000 |
| Noninterest expense | 431,000 | 865,000 | 1,311,000 | 1,899,000 |
| Provision for loan losses | 14,000 | 27,000 | 27,000 | 27,000 |
| Pretax income | 181,000 | 414,000 | 630,000 | 707,000 |
| Income tax | 40,000 | 100,000 | 155,000 | 156,000 |
| Net income | 141,000 | 314,000 | 475,000 | 551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,407,000 | 6,520,000 | 6,681,000 | 6,505,000 |
| Total capital | 6,558,000 | 6,688,000 | 6,842,000 | 6,653,000 |
| Risk-weighted assets | 26,164,000 | 25,859,000 | 25,122,000 | 26,130,000 |