Call reports 2005
FIRST STATE BANK OF MURDOCK — 2005
What FIRST STATE BANK OF MURDOCK 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 | 8,037,000 | 7,970,000 | 7,850,000 | 8,121,000 |
| Total loans | 6,102,000 | 6,213,000 | 6,078,000 | 5,989,000 |
| Allowance for loan losses | 61,000 | 63,000 | 66,000 | 66,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,000 | 2,000 | 2,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,096,000 | 7,001,000 | 6,914,000 | 7,193,000 |
| Interest-bearing deposits | 5,195,000 | 5,332,000 | 5,140,000 | 4,739,000 |
| Noninterest-bearing deposits | 1,900,000 | 1,669,000 | 1,774,000 | 2,454,000 |
| Equity capital | 914,000 | 940,000 | 899,000 | 886,000 |
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 | 126,000 | 256,000 | 390,000 | 523,000 |
| Interest expense | 13,000 | 30,000 | 49,000 | 71,000 |
| Net interest income | 113,000 | 226,000 | 341,000 | 452,000 |
| Noninterest income | 20,000 | 38,000 | 58,000 | 77,000 |
| Noninterest expense | 94,000 | 185,000 | 284,000 | 414,000 |
| Provision for loan losses | -2,000 | 0 | 3,000 | 3,000 |
| Pretax income | 41,000 | 79,000 | 112,000 | 112,000 |
| Income tax | 9,000 | 21,000 | 27,000 | 40,000 |
| Net income | 32,000 | 58,000 | 85,000 | 72,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 914,000 | 940,000 | 899,000 | 886,000 |
| Total capital | 975,000 | 1,003,000 | 965,000 | 952,000 |
| Risk-weighted assets | 5,849,000 | 5,567,000 | 5,519,000 | 5,462,000 |