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 | 156,072,000 | 165,392,000 | 173,078,000 | 179,861,000 |
| Total loans | 116,324,000 | 129,649,000 | 130,025,000 | 129,252,000 |
| Allowance for loan losses | 1,333,000 | 1,394,000 | 1,448,000 | 1,479,000 |
| Securities available for sale | 25,228,000 | 25,237,000 | 25,142,000 | 28,988,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,061,000 | 137,152,000 | 147,381,000 | 154,783,000 |
| Interest-bearing deposits | 122,015,000 | 120,817,000 | 130,715,000 | 137,925,000 |
| Noninterest-bearing deposits | 14,046,000 | 16,335,000 | 16,666,000 | 16,858,000 |
| Equity capital | 11,346,000 | 12,003,000 | 12,558,000 | 12,796,000 |
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 | 2,124,000 | 4,418,000 | 6,956,000 | 9,613,000 |
| Interest expense | 676,000 | 1,424,000 | 2,356,000 | 3,427,000 |
| Net interest income | 1,448,000 | 2,994,000 | 4,600,000 | 6,186,000 |
| Noninterest income | 122,000 | 256,000 | 420,000 | 558,000 |
| Noninterest expense | 812,000 | 1,621,000 | 2,483,000 | 3,353,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 698,000 | 1,509,000 | 2,357,000 | 3,151,000 |
| Income tax | 231,000 | 501,000 | 783,000 | 1,069,000 |
| Net income | 467,000 | 1,008,000 | 1,574,000 | 2,082,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,568,000 | 12,163,000 | 12,735,000 | 12,958,000 |
| Total capital | 12,901,000 | 13,557,000 | 14,183,000 | 14,437,000 |
| Risk-weighted assets | 117,837,000 | 130,013,000 | 132,786,000 | 133,435,000 |
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