Call reports 2005
FIRST STATE COMMUNITY BANK — 2005
What FIRST STATE COMMUNITY 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 | 575,434,000 | 598,318,000 | 617,779,000 | 627,125,000 |
| Total loans | 451,208,000 | 467,507,000 | 492,770,000 | 498,431,000 |
| Allowance for loan losses | 5,644,000 | 5,791,000 | 5,940,000 | 6,245,000 |
| Securities available for sale | 73,668,000 | 71,166,000 | 66,223,000 | 63,232,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 468,621,000 | 471,589,000 | 490,880,000 | 514,522,000 |
| Interest-bearing deposits | 401,086,000 | 394,202,000 | 415,132,000 | 435,040,000 |
| Noninterest-bearing deposits | 67,535,000 | 77,387,000 | 75,748,000 | 79,482,000 |
| Equity capital | 56,737,000 | 59,270,000 | 60,407,000 | 60,585,000 |
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 | 7,282,000 | 15,116,000 | 23,524,000 | 32,385,000 |
| Interest expense | 2,333,000 | 5,032,000 | 8,120,000 | 11,510,000 |
| Net interest income | 4,949,000 | 10,084,000 | 15,404,000 | 20,875,000 |
| Noninterest income | 1,985,000 | 3,965,000 | 5,943,000 | 7,909,000 |
| Noninterest expense | 3,475,000 | 7,106,000 | 10,871,000 | 15,025,000 |
| Provision for loan losses | 162,000 | 339,000 | 525,000 | 886,000 |
| Pretax income | 3,311,000 | 6,618,000 | 9,965,000 | 12,887,000 |
| Income tax | 1,136,000 | 2,251,000 | 3,360,000 | 4,300,000 |
| Net income | 2,175,000 | 4,367,000 | 6,605,000 | 8,587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,015,000 | 52,324,000 | 53,781,000 | 54,181,000 |
| Total capital | 55,250,000 | 57,799,000 | 59,506,000 | 59,977,000 |
| Risk-weighted assets | 418,419,000 | 437,678,000 | 457,794,000 | 463,203,000 |