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 | 27,551,000 | 27,407,000 | 26,884,000 | 27,016,000 |
| Total loans | 18,528,000 | 18,472,000 | 18,409,000 | 17,488,000 |
| Allowance for loan losses | 392,000 | 432,000 | 373,000 | 309,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,487,000 | 4,481,000 | 4,176,000 | 3,672,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,624,000 | 24,431,000 | 23,862,000 | 24,358,000 |
| Interest-bearing deposits | 19,229,000 | 18,679,000 | 18,141,000 | 18,100,000 |
| Noninterest-bearing deposits | 5,395,000 | 5,752,000 | 5,721,000 | 6,258,000 |
| Equity capital | 2,855,000 | 2,863,000 | 2,616,000 | 2,591,000 |
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 | 384,000 | 758,000 | 1,169,000 | 1,554,000 |
| Interest expense | 77,000 | 158,000 | 247,000 | 349,000 |
| Net interest income | 307,000 | 600,000 | 922,000 | 1,205,000 |
| Noninterest income | 142,000 | 293,000 | 356,000 | 456,000 |
| Noninterest expense | 391,000 | 812,000 | 1,169,000 | 1,579,000 |
| Provision for loan losses | 15,000 | 30,000 | 305,000 | 458,000 |
| Pretax income | 43,000 | 51,000 | -196,000 | -376,000 |
| Income tax | 0 | 0 | 0 | -155,000 |
| Net income | 43,000 | 51,000 | -196,000 | -221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,769,000 | 2,767,000 | 2,616,000 | 2,421,000 |
| Total capital | 2,985,000 | 2,982,000 | 2,830,000 | 2,622,000 |
| Risk-weighted assets | 17,090,000 | 16,955,000 | 16,986,000 | 16,083,000 |