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 | 100,472,000 | 97,558,000 | 98,955,000 | 94,929,000 |
| Total loans | 63,264,000 | 61,786,000 | 61,891,000 | 63,041,000 |
| Allowance for loan losses | 3,294,000 | 3,314,000 | 3,185,000 | 3,141,000 |
| Securities available for sale | 16,555,000 | 15,248,000 | 14,767,000 | 13,845,000 |
| Securities held to maturity | 13,591,000 | 14,404,000 | 14,242,000 | 12,831,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,598,000 | 84,208,000 | 85,293,000 | 81,909,000 |
| Interest-bearing deposits | 74,424,000 | 70,781,000 | 69,139,000 | 66,231,000 |
| Noninterest-bearing deposits | 13,174,000 | 13,427,000 | 16,155,000 | 15,678,000 |
| Equity capital | 12,609,000 | 13,025,000 | 13,221,000 | 12,712,000 |
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 | 1,373,000 | 2,831,000 | 4,240,000 | 5,660,000 |
| Interest expense | 340,000 | 699,000 | 1,077,000 | 1,465,000 |
| Net interest income | 1,033,000 | 2,132,000 | 3,163,000 | 4,195,000 |
| Noninterest income | 165,000 | 354,000 | 569,000 | 772,000 |
| Noninterest expense | 984,000 | 1,947,000 | 2,808,000 | 3,812,000 |
| Provision for loan losses | 80,000 | 80,000 | 80,000 | 80,000 |
| Pretax income | 134,000 | 540,000 | 844,000 | 1,075,000 |
| Income tax | 47,000 | 73,000 | 157,000 | 217,000 |
| Net income | 87,000 | 467,000 | 687,000 | 858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,426,000 | 11,776,000 | 11,920,000 | 12,097,000 |
| Total capital | 12,313,000 | 12,644,000 | 12,974,000 | 12,950,000 |
| Risk-weighted assets | 68,571,000 | 66,977,000 | 82,382,000 | 65,925,000 |