Call reports 2005
FIRST STATE BANK OF HARVEY — 2005
What FIRST STATE BANK OF HARVEY 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 | 61,066,000 | 60,865,000 | 58,160,000 | 57,849,000 |
| Total loans | 25,018,000 | 27,946,000 | 28,309,000 | 27,551,000 |
| Allowance for loan losses | 450,000 | 388,000 | 445,000 | 425,000 |
| Securities available for sale | 27,080,000 | 25,844,000 | 24,581,000 | 24,462,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,757,000 | 54,191,000 | 51,495,000 | 51,729,000 |
| Interest-bearing deposits | 48,246,000 | 46,812,000 | 44,290,000 | 43,828,000 |
| Noninterest-bearing deposits | 6,511,000 | 7,379,000 | 7,205,000 | 7,901,000 |
| Equity capital | 5,956,000 | 6,281,000 | 6,259,000 | 5,738,000 |
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 | 699,000 | 1,492,000 | 2,255,000 | 3,017,000 |
| Interest expense | 209,000 | 425,000 | 646,000 | 881,000 |
| Net interest income | 490,000 | 1,067,000 | 1,609,000 | 2,136,000 |
| Noninterest income | 52,000 | 109,000 | 173,000 | 229,000 |
| Noninterest expense | 295,000 | 607,000 | 909,000 | 1,223,000 |
| Provision for loan losses | 67,000 | 120,000 | 178,000 | 204,000 |
| Pretax income | 172,000 | 442,000 | 688,000 | 931,000 |
| Income tax | 14,000 | 28,000 | 42,000 | 53,000 |
| Net income | 158,000 | 414,000 | 646,000 | 878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,320,000 | 6,430,000 | 6,516,000 | 6,214,000 |
| Total capital | 6,748,000 | 6,818,000 | 6,961,000 | 6,639,000 |
| Risk-weighted assets | 34,179,000 | 35,869,000 | 35,809,000 | 35,269,000 |