Call reports 2015
FIRST STATE BANK — 2015
What FIRST STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 53,678,000 | 55,328,000 | 49,754,000 | 48,582,000 |
| Total loans | 17,387,000 | 17,283,000 | 17,590,000 | 17,399,000 |
| Allowance for loan losses | 238,000 | 236,000 | 237,000 | 200,000 |
| Securities available for sale | 11,645,000 | 10,681,000 | 9,843,000 | 10,550,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,340,000 | 49,898,000 | 44,371,000 | 43,248,000 |
| Interest-bearing deposits | 33,946,000 | 34,537,000 | 30,025,000 | 29,252,000 |
| Noninterest-bearing deposits | 14,395,000 | 15,361,000 | 14,346,000 | 13,996,000 |
| Equity capital | 5,199,000 | 5,151,000 | 5,158,000 | 5,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 441,000 | 877,000 | 1,321,000 | 1,783,000 |
| Interest expense | 17,000 | 34,000 | 48,000 | 65,000 |
| Net interest income | 424,000 | 843,000 | 1,273,000 | 1,718,000 |
| Noninterest income | 158,000 | 315,000 | 471,000 | 677,000 |
| Noninterest expense | 454,000 | 992,000 | 1,530,000 | 2,083,000 |
| Provision for loan losses | 40,000 | 62,000 | 62,000 | 67,000 |
| Pretax income | 124,000 | 140,000 | 188,000 | 281,000 |
| Income tax | 12,000 | 42,000 | 82,000 | 92,000 |
| Net income | 112,000 | 98,000 | 106,000 | 189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,070,000 | 5,055,000 | 5,064,000 | 5,053,000 |
| Total capital | 5,308,000 | 5,291,000 | 5,301,000 | 5,253,000 |
| Risk-weighted assets | 21,820,000 | 22,074,000 | 20,782,000 | 20,238,000 |