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 | 20,658,000 | 21,669,000 | 22,242,000 | 21,581,000 |
| Total loans | 13,879,000 | 14,839,000 | 15,232,000 | 14,019,000 |
| Allowance for loan losses | 157,000 | 190,000 | 245,000 | 269,000 |
| Securities available for sale | 4,773,000 | 4,802,000 | 5,044,000 | 5,285,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,895,000 | 15,638,000 | 15,984,000 | 15,757,000 |
| Interest-bearing deposits | 14,509,000 | 14,386,000 | 14,848,000 | 14,259,000 |
| Noninterest-bearing deposits | 1,386,000 | 1,252,000 | 1,136,000 | 1,498,000 |
| Equity capital | 2,274,000 | 2,344,000 | 2,403,000 | 2,385,000 |
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 | 289,000 | 618,000 | 958,000 | 1,296,000 |
| Interest expense | 94,000 | 206,000 | 335,000 | 470,000 |
| Net interest income | 195,000 | 412,000 | 623,000 | 826,000 |
| Noninterest income | 27,000 | 47,000 | 73,000 | 92,000 |
| Noninterest expense | 143,000 | 288,000 | 427,000 | 579,000 |
| Provision for loan losses | 33,000 | 66,000 | 96,000 | 120,000 |
| Pretax income | 46,000 | 105,000 | 173,000 | 219,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 46,000 | 105,000 | 173,000 | 219,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,340,000 | 2,321,000 | 2,398,000 | 2,443,000 |
| Total capital | 2,497,000 | 2,511,000 | 2,616,000 | 2,645,000 |
| Risk-weighted assets | 15,998,000 | 16,894,000 | 17,442,000 | 16,120,000 |