Call reports 2005
FIRST STATE BANK OF ASHBY — 2005
What FIRST STATE BANK OF ASHBY 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 | 24,269,000 | 23,906,000 | 24,082,000 | 24,024,000 |
| Total loans | 15,086,000 | 16,243,000 | 16,826,000 | 16,068,000 |
| Allowance for loan losses | 173,000 | 179,000 | 186,000 | 187,000 |
| Securities available for sale | 5,837,000 | 5,773,000 | 5,101,000 | 4,979,000 |
| Securities held to maturity | 312,000 | 312,000 | 312,000 | 947,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,403,000 | 21,930,000 | 22,065,000 | 21,985,000 |
| Interest-bearing deposits | 19,910,000 | 19,506,000 | 19,345,000 | 19,195,000 |
| Noninterest-bearing deposits | 2,493,000 | 2,424,000 | 2,720,000 | 2,790,000 |
| Equity capital | 1,818,000 | 1,925,000 | 1,959,000 | 1,971,000 |
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 | 326,000 | 677,000 | 1,035,000 | 1,394,000 |
| Interest expense | 98,000 | 205,000 | 320,000 | 449,000 |
| Net interest income | 228,000 | 472,000 | 715,000 | 945,000 |
| Noninterest income | 24,000 | 49,000 | 80,000 | 117,000 |
| Noninterest expense | 135,000 | 283,000 | 429,000 | 620,000 |
| Provision for loan losses | 6,000 | 13,000 | 27,000 | 27,000 |
| Pretax income | 111,000 | 225,000 | 330,000 | 406,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 111,000 | 225,000 | 330,000 | 406,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,893,000 | 1,932,000 | 1,990,000 | 2,026,000 |
| Total capital | 2,086,000 | 2,135,000 | 2,204,000 | 2,243,000 |
| Risk-weighted assets | 15,364,000 | 16,311,000 | 16,853,000 | 16,901,000 |