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 | 59,220,000 | 56,975,000 | 55,583,000 | 54,171,000 |
| Total loans | 19,768,000 | 19,246,000 | 19,560,000 | 20,079,000 |
| Allowance for loan losses | 374,000 | 352,000 | 320,000 | 300,000 |
| Securities available for sale | 20,269,000 | 21,939,000 | 21,949,000 | 21,302,000 |
| Securities held to maturity | 958,000 | 700,000 | 673,000 | 647,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,623,000 | 51,263,000 | 49,768,000 | 48,616,000 |
| Interest-bearing deposits | 42,955,000 | 41,295,000 | 39,485,000 | 38,242,000 |
| Noninterest-bearing deposits | 10,668,000 | 9,968,000 | 10,283,000 | 10,374,000 |
| Equity capital | 5,406,000 | 5,570,000 | 5,587,000 | 5,443,000 |
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 | 678,000 | 1,396,000 | 2,101,000 | 2,821,000 |
| Interest expense | 166,000 | 345,000 | 522,000 | 725,000 |
| Net interest income | 512,000 | 1,051,000 | 1,579,000 | 2,096,000 |
| Noninterest income | 166,000 | 510,000 | 667,000 | 846,000 |
| Noninterest expense | 444,000 | 1,102,000 | 1,630,000 | 2,363,000 |
| Provision for loan losses | 40,000 | 60,000 | 89,000 | 130,000 |
| Pretax income | 201,000 | 387,000 | 503,000 | 425,000 |
| Income tax | 62,000 | 54,000 | 113,000 | 35,000 |
| Net income | 139,000 | 333,000 | 390,000 | 390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,586,000 | 5,577,000 | 5,637,000 | 5,596,000 |
| Total capital | 5,960,000 | 5,929,000 | 5,957,000 | 5,896,000 |
| Risk-weighted assets | 39,871,000 | 37,112,000 | 34,421,000 | 33,276,000 |