Call reports 2005
FIRST STATE BANK SHANNON-POLO — 2005
What FIRST STATE BANK SHANNON-POLO 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 | 127,292,000 | 129,835,000 | 126,984,000 | 128,272,000 |
| Total loans | 77,896,000 | 80,827,000 | 83,127,000 | 83,109,000 |
| Allowance for loan losses | 587,000 | 582,000 | 629,000 | 646,000 |
| Securities available for sale | 34,858,000 | 35,294,000 | 32,392,000 | 32,614,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,588,000 | 108,613,000 | 106,613,000 | 106,795,000 |
| Interest-bearing deposits | 98,780,000 | 100,174,000 | 98,207,000 | 96,186,000 |
| Noninterest-bearing deposits | 8,808,000 | 8,439,000 | 8,406,000 | 10,609,000 |
| Equity capital | 12,734,000 | 13,171,000 | 13,302,000 | 13,612,000 |
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 | 1,588,000 | 3,203,000 | 4,903,000 | 6,652,000 |
| Interest expense | 567,000 | 1,162,000 | 1,811,000 | 2,497,000 |
| Net interest income | 1,021,000 | 2,041,000 | 3,092,000 | 4,155,000 |
| Noninterest income | 159,000 | 346,000 | 502,000 | 698,000 |
| Noninterest expense | 663,000 | 1,323,000 | 2,000,000 | 2,764,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 75,000 |
| Pretax income | 537,000 | 1,084,000 | 1,564,000 | 2,034,000 |
| Income tax | 0 | 0 | 0 | 21,000 |
| Net income | 537,000 | 1,084,000 | 1,564,000 | 2,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,730,000 | 11,059,000 | 11,257,000 | 11,706,000 |
| Total capital | 11,317,000 | 11,641,000 | 11,886,000 | 12,352,000 |
| Risk-weighted assets | 86,322,000 | 94,295,000 | 94,085,000 | 95,886,000 |