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 | 238,082,000 | 251,002,000 | 260,868,000 | 268,700,000 |
| Total loans | 163,719,000 | 184,860,000 | 184,997,000 | 195,443,000 |
| Allowance for loan losses | 2,125,000 | 2,342,000 | 2,417,000 | 2,552,000 |
| Securities available for sale | 5,361,000 | 391,000 | 392,000 | 390,000 |
| Securities held to maturity | 50,648,000 | 50,691,000 | 50,999,000 | 58,540,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,489,000 | 190,797,000 | 201,765,000 | 203,893,000 |
| Interest-bearing deposits | 168,375,000 | 169,336,000 | 180,322,000 | 183,846,000 |
| Noninterest-bearing deposits | 22,114,000 | 21,461,000 | 21,443,000 | 20,047,000 |
| Equity capital | 22,604,000 | 23,005,000 | 24,758,000 | 25,404,000 |
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 | 3,144,000 | 6,743,000 | 10,758,000 | 15,002,000 |
| Interest expense | 981,000 | 2,178,000 | 3,668,000 | 5,326,000 |
| Net interest income | 2,163,000 | 4,565,000 | 7,090,000 | 9,676,000 |
| Noninterest income | 229,000 | 500,000 | 1,474,000 | 1,883,000 |
| Noninterest expense | 1,673,000 | 3,239,000 | 4,791,000 | 6,336,000 |
| Provision for loan losses | 124,000 | 343,000 | 418,000 | 599,000 |
| Pretax income | 595,000 | 1,490,000 | 3,371,000 | 4,640,000 |
| Income tax | 175,000 | 458,000 | 1,116,000 | 1,529,000 |
| Net income | 420,000 | 1,032,000 | 2,255,000 | 3,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,908,000 | 22,311,000 | 24,063,000 | 24,710,000 |
| Total capital | 24,033,000 | 24,653,000 | 26,480,000 | 27,262,000 |
| Risk-weighted assets | 171,281,000 | 192,313,000 | 196,364,000 | 208,795,000 |