Call reports 2005
FIRST STATE BANK OF BIGGSVILLE — 2005
What FIRST STATE BANK OF BIGGSVILLE 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 | 16,497,000 | 16,489,000 | 15,738,000 | 15,990,000 |
| Total loans | 7,922,000 | 7,742,000 | 7,763,000 | 7,671,000 |
| Allowance for loan losses | 211,000 | 213,000 | 215,000 | 213,000 |
| Securities available for sale | 7,578,000 | 7,188,000 | 6,608,000 | 7,386,000 |
| Securities held to maturity | 154,000 | 154,000 | 154,000 | 154,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,029,000 | 13,994,000 | 13,252,000 | 12,715,000 |
| Interest-bearing deposits | 12,540,000 | 12,313,000 | 12,015,000 | 1,313,000 |
| Noninterest-bearing deposits | 1,489,000 | 1,681,000 | 1,237,000 | 11,402,000 |
| Equity capital | 2,426,000 | 2,453,000 | 2,436,000 | 2,401,000 |
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 | 198,000 | 394,000 | 591,000 | 797,000 |
| Interest expense | 54,000 | 111,000 | 168,000 | 234,000 |
| Net interest income | 144,000 | 283,000 | 423,000 | 563,000 |
| Noninterest income | 12,000 | 28,000 | 45,000 | 62,000 |
| Noninterest expense | 92,000 | 201,000 | 305,000 | 413,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 64,000 | 110,000 | 163,000 | 212,000 |
| Income tax | 0 | 1,000 | 1,000 | 0 |
| Net income | 64,000 | 109,000 | 162,000 | 212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,479,000 | 2,453,000 | 2,486,000 | 2,491,000 |
| Total capital | 2,601,000 | 2,573,000 | 2,600,000 | 2,610,000 |
| Risk-weighted assets | 9,689,000 | 9,517,000 | 9,444,000 | 9,406,000 |