Call reports 2005
FIRST STATE BANK OF ST. ROBERT — 2005
What FIRST STATE BANK OF ST. ROBERT 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 | 65,916,000 | 64,661,000 | 67,396,000 | 65,669,000 |
| Total loans | 46,915,000 | 47,363,000 | 48,250,000 | 48,909,000 |
| Allowance for loan losses | 532,000 | 554,000 | 577,000 | 562,000 |
| Securities available for sale | 7,088,000 | 8,480,000 | 9,424,000 | 10,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,523,000 | 58,063,000 | 60,613,000 | 58,777,000 |
| Interest-bearing deposits | 51,709,000 | 50,932,000 | 51,670,000 | 51,051,000 |
| Noninterest-bearing deposits | 6,814,000 | 7,131,000 | 8,943,000 | 7,726,000 |
| Equity capital | 5,254,000 | 5,427,000 | 5,601,000 | 5,742,000 |
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 | 954,000 | 1,957,000 | 3,019,000 | 4,116,000 |
| Interest expense | 263,000 | 559,000 | 876,000 | 1,224,000 |
| Net interest income | 691,000 | 1,398,000 | 2,143,000 | 2,892,000 |
| Noninterest income | 158,000 | 300,000 | 444,000 | 571,000 |
| Noninterest expense | 567,000 | 1,129,000 | 1,710,000 | 2,316,000 |
| Provision for loan losses | 23,000 | 45,000 | 90,000 | 120,000 |
| Pretax income | 259,000 | 524,000 | 787,000 | 1,027,000 |
| Income tax | 90,000 | 182,000 | 256,000 | 336,000 |
| Net income | 169,000 | 342,000 | 531,000 | 691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,279,000 | 5,452,000 | 5,641,000 | 5,801,000 |
| Total capital | 5,797,000 | 5,973,000 | 6,178,000 | 6,363,000 |
| Risk-weighted assets | 41,464,000 | 41,661,000 | 42,905,000 | 45,326,000 |