Call reports 2005
FIRST STATE BANK OF RED BUD — 2005
What FIRST STATE BANK OF RED BUD 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 | 90,372,000 | 91,089,000 | 91,457,000 | 92,134,000 |
| Total loans | 48,390,000 | 51,736,000 | 53,179,000 | 54,544,000 |
| Allowance for loan losses | 779,000 | 777,000 | 1,029,000 | 1,131,000 |
| Securities available for sale | 33,181,000 | 31,181,000 | 29,506,000 | 27,382,000 |
| Securities held to maturity | 4,233,000 | 4,579,000 | 4,590,000 | 4,241,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,900,000 | 71,571,000 | 72,752,000 | 72,941,000 |
| Interest-bearing deposits | 66,267,000 | 63,158,000 | 63,438,000 | 61,766,000 |
| Noninterest-bearing deposits | 9,633,000 | 8,413,000 | 9,314,000 | 11,175,000 |
| Equity capital | 12,357,000 | 12,592,000 | 12,842,000 | 12,610,000 |
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 | 1,097,000 | 2,245,000 | 3,461,000 | 4,698,000 |
| Interest expense | 332,000 | 690,000 | 1,119,000 | 1,566,000 |
| Net interest income | 765,000 | 1,555,000 | 2,342,000 | 3,132,000 |
| Noninterest income | 58,000 | 124,000 | 215,000 | 298,000 |
| Noninterest expense | 495,000 | 993,000 | 1,480,000 | 2,000,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 352,000 | 710,000 | 1,101,000 | 1,454,000 |
| Income tax | 63,000 | 153,000 | 250,000 | 378,000 |
| Net income | 289,000 | 557,000 | 851,000 | 1,076,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,582,000 | 12,686,000 | 12,980,000 | 12,952,000 |
| Total capital | 13,236,000 | 13,362,000 | 13,689,000 | 13,675,000 |
| Risk-weighted assets | 52,748,000 | 54,464,000 | 55,811,000 | 57,415,000 |