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 | 77,209,000 | 80,971,000 | 80,386,000 | 84,448,000 |
| Total loans | 65,314,000 | 67,027,000 | 65,917,000 | 70,214,000 |
| Allowance for loan losses | 768,000 | 759,000 | 795,000 | 805,000 |
| Securities available for sale | 6,510,000 | 6,581,000 | 7,367,000 | 8,365,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,119,000 | 68,591,000 | 67,890,000 | 71,715,000 |
| Interest-bearing deposits | 60,006,000 | 63,422,000 | 62,924,000 | 63,660,000 |
| Noninterest-bearing deposits | 5,113,000 | 5,169,000 | 4,966,000 | 8,055,000 |
| Equity capital | 7,062,000 | 7,292,000 | 7,384,000 | 7,462,000 |
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 | 1,118,000 | 2,297,000 | 3,535,000 | 4,811,000 |
| Interest expense | 395,000 | 849,000 | 1,359,000 | 1,928,000 |
| Net interest income | 723,000 | 1,448,000 | 2,176,000 | 2,883,000 |
| Noninterest income | 58,000 | 140,000 | 223,000 | 334,000 |
| Noninterest expense | 402,000 | 923,000 | 1,411,000 | 1,841,000 |
| Provision for loan losses | 15,000 | 40,000 | 70,000 | 80,000 |
| Pretax income | 360,000 | 621,000 | 914,000 | 1,291,000 |
| Income tax | 21,000 | 28,000 | 42,000 | 70,000 |
| Net income | 339,000 | 593,000 | 872,000 | 1,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,002,000 | 7,137,000 | 7,310,000 | 7,455,000 |
| Total capital | 7,770,000 | 7,896,000 | 8,105,000 | 8,260,000 |
| Risk-weighted assets | 67,114,000 | 69,126,000 | 68,790,000 | 73,857,000 |