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 | 40,501,000 | 43,767,000 | 45,841,000 | 43,553,000 |
| Total loans | 35,130,000 | 38,934,000 | 40,011,000 | 38,033,000 |
| Allowance for loan losses | 528,000 | 559,000 | 620,000 | 558,000 |
| Securities available for sale | 3,809,000 | 3,758,000 | 3,734,000 | 3,669,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,421,000 | 35,657,000 | 37,137,000 | 36,279,000 |
| Interest-bearing deposits | 32,086,000 | 32,992,000 | 33,809,000 | 32,758,000 |
| Noninterest-bearing deposits | 3,335,000 | 2,665,000 | 3,327,000 | 3,521,000 |
| Equity capital | 4,063,000 | 4,209,000 | 4,341,000 | 4,310,000 |
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 | 654,000 | 1,375,000 | 2,163,000 | 2,914,000 |
| Interest expense | 196,000 | 427,000 | 707,000 | 999,000 |
| Net interest income | 458,000 | 948,000 | 1,456,000 | 1,915,000 |
| Noninterest income | 72,000 | 120,000 | 185,000 | 247,000 |
| Noninterest expense | 232,000 | 442,000 | 672,000 | 980,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 238,000 | 506,000 | 789,000 | 942,000 |
| Income tax | 4,000 | 9,000 | 11,000 | 18,000 |
| Net income | 234,000 | 497,000 | 778,000 | 924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,034,000 | 4,165,000 | 4,323,000 | 4,330,000 |
| Total capital | 4,489,000 | 4,665,000 | 4,844,000 | 4,825,000 |
| Risk-weighted assets | 36,308,000 | 39,925,000 | 41,586,000 | 39,565,000 |