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 | 88,420,000 | 89,987,000 | 95,172,000 | 102,298,000 |
| Total loans | 60,381,000 | 60,396,000 | 62,264,000 | 65,500,000 |
| Allowance for loan losses | 557,000 | 557,000 | 523,000 | 483,000 |
| Securities available for sale | 15,205,000 | 15,278,000 | 15,430,000 | 16,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,335,000 | 80,658,000 | 85,582,000 | 92,614,000 |
| Interest-bearing deposits | 63,852,000 | 65,385,000 | 69,937,000 | 73,089,000 |
| Noninterest-bearing deposits | 15,483,000 | 15,273,000 | 15,645,000 | 19,525,000 |
| Equity capital | 8,040,000 | 8,318,000 | 8,511,000 | 8,670,000 |
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 | 1,261,000 | 2,635,000 | 4,097,000 | 5,673,000 |
| Interest expense | 316,000 | 691,000 | 1,150,000 | 1,710,000 |
| Net interest income | 945,000 | 1,944,000 | 2,947,000 | 3,963,000 |
| Noninterest income | 227,000 | 488,000 | 738,000 | 1,001,000 |
| Noninterest expense | 632,000 | 1,282,000 | 1,944,000 | 2,688,000 |
| Provision for loan losses | 0 | 0 | 0 | 105,000 |
| Pretax income | 540,000 | 1,143,000 | 1,734,000 | 2,164,000 |
| Income tax | 24,000 | 51,000 | 75,000 | 85,000 |
| Net income | 516,000 | 1,092,000 | 1,659,000 | 2,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,530,000 | 8,647,000 | 8,903,000 | 9,208,000 |
| Total capital | 9,087,000 | 9,204,000 | 9,426,000 | 9,691,000 |
| Risk-weighted assets | 66,960,000 | 67,051,000 | 68,571,000 | 73,948,000 |
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