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 | 57,708,000 | 58,424,000 | 58,502,000 | 58,771,000 |
| Total loans | 23,537,000 | 24,546,000 | 25,327,000 | 23,650,000 |
| Allowance for loan losses | 357,000 | 359,000 | 354,000 | 354,000 |
| Securities available for sale | 31,739,000 | 31,340,000 | 30,659,000 | 32,492,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,452,000 | 46,046,000 | 46,769,000 | 47,167,000 |
| Interest-bearing deposits | 41,558,000 | 42,266,000 | 42,899,000 | 42,579,000 |
| Noninterest-bearing deposits | 3,894,000 | 3,781,000 | 3,871,000 | 4,588,000 |
| Equity capital | 6,237,000 | 6,574,000 | 6,587,000 | 6,549,000 |
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 | 835,000 | 1,522,000 | 2,248,000 | 2,993,000 |
| Interest expense | 308,000 | 583,000 | 883,000 | 1,203,000 |
| Net interest income | 527,000 | 939,000 | 1,365,000 | 1,790,000 |
| Noninterest income | 284,000 | 322,000 | 352,000 | 352,000 |
| Noninterest expense | 299,000 | 510,000 | 722,000 | 931,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 3,000 |
| Pretax income | 528,000 | 769,000 | 1,013,000 | 1,230,000 |
| Income tax | 160,000 | 225,000 | 286,000 | 338,000 |
| Net income | 368,000 | 544,000 | 727,000 | 892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,476,000 | 6,602,000 | 6,785,000 | 6,850,000 |
| Total capital | 6,833,000 | 6,961,000 | 7,139,000 | 7,204,000 |
| Risk-weighted assets | 30,009,000 | 29,557,000 | 30,418,000 | 29,105,000 |