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 | 296,864,000 | 314,313,000 | 335,154,000 | 372,681,000 |
| Total loans | 251,431,000 | 282,190,000 | 303,361,000 | 340,218,000 |
| Allowance for loan losses | 2,739,000 | 2,974,000 | 3,180,000 | 3,397,000 |
| Securities available for sale | 17,068,000 | 17,935,000 | 18,887,000 | 20,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,268,000 | 267,130,000 | 281,075,000 | 312,706,000 |
| Interest-bearing deposits | 205,631,000 | 231,749,000 | 243,484,000 | 268,052,000 |
| Noninterest-bearing deposits | 39,636,000 | 35,381,000 | 37,591,000 | 44,654,000 |
| Equity capital | 41,955,000 | 43,017,000 | 43,580,000 | 44,445,000 |
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 | 4,254,000 | 9,171,000 | 14,647,000 | 20,964,000 |
| Interest expense | 1,383,000 | 3,097,000 | 4,952,000 | 7,248,000 |
| Net interest income | 2,871,000 | 6,074,000 | 9,695,000 | 13,716,000 |
| Noninterest income | 336,000 | 698,000 | 1,043,000 | 1,492,000 |
| Noninterest expense | 1,875,000 | 3,780,000 | 5,902,000 | 8,152,000 |
| Provision for loan losses | 0 | 225,000 | 480,000 | 735,000 |
| Pretax income | 1,332,000 | 2,767,000 | 4,356,000 | 6,321,000 |
| Income tax | 505,000 | 1,041,000 | 1,637,000 | 2,363,000 |
| Net income | 827,000 | 1,726,000 | 2,719,000 | 3,958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,265,000 | 43,165,000 | 43,858,000 | 44,818,000 |
| Total capital | 45,004,000 | 46,139,000 | 47,038,000 | 48,215,000 |
| Risk-weighted assets | 257,243,000 | 286,205,000 | 306,185,000 | 341,510,000 |