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 |
|---|---|---|---|
| Total assets | 69,808,000 | 72,976,000 | 72,287,000 |
| Total loans | 41,282,000 | 43,155,000 | 44,248,000 |
| Allowance for loan losses | 234,000 | 241,000 | 348,000 |
| Securities available for sale | 2,480,000 | 3,731,000 | 4,453,000 |
| Securities held to maturity | 19,147,000 | 17,176,000 | 15,181,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 47,407,000 | 46,960,000 | 46,627,000 |
| Interest-bearing deposits | 40,899,000 | 39,875,000 | 39,564,000 |
| Noninterest-bearing deposits | 6,508,000 | 7,085,000 | 7,063,000 |
| Equity capital | 5,207,000 | 5,281,000 | 5,166,000 |
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 |
|---|---|---|---|
| Interest income | 824,000 | 1,726,000 | 2,637,000 |
| Interest expense | 351,000 | 816,000 | 1,304,000 |
| Net interest income | 473,000 | 910,000 | 1,333,000 |
| Noninterest income | 92,000 | 185,000 | 295,000 |
| Noninterest expense | 417,000 | 829,000 | 1,266,000 |
| Provision for loan losses | 30,000 | 60,000 | 192,000 |
| Pretax income | 118,000 | 206,000 | 170,000 |
| Income tax | 0 | 0 | 0 |
| Net income | 118,000 | 206,000 | 170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 |
|---|---|---|---|
| Tier 1 capital | 5,432,000 | 5,484,000 | 5,305,000 |
| Total capital | 5,666,000 | 5,725,000 | 5,653,000 |
| Risk-weighted assets | 32,852,000 | 34,773,000 | 35,830,000 |