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 | 52,392,000 | 52,273,000 | 53,154,000 | 53,560,000 |
| Total loans | 31,802,000 | 33,388,000 | 34,629,000 | 35,765,000 |
| Allowance for loan losses | 436,000 | 446,000 | 447,000 | 457,000 |
| Securities available for sale | 17,199,000 | 15,679,000 | 14,837,000 | 13,851,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,571,000 | 41,526,000 | 41,378,000 | 44,130,000 |
| Interest-bearing deposits | 37,188,000 | 36,283,000 | 35,577,000 | 36,664,000 |
| Noninterest-bearing deposits | 5,383,000 | 5,243,000 | 5,801,000 | 7,466,000 |
| Equity capital | 5,544,000 | 5,771,000 | 5,687,000 | 5,526,000 |
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 | 696,000 | 1,407,000 | 2,147,000 | 2,898,000 |
| Interest expense | 189,000 | 399,000 | 636,000 | 872,000 |
| Net interest income | 507,000 | 1,008,000 | 1,511,000 | 2,026,000 |
| Noninterest income | 40,000 | 82,000 | 152,000 | 213,000 |
| Noninterest expense | 313,000 | 654,000 | 1,028,000 | 1,412,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 225,000 | 420,000 | 612,000 | 779,000 |
| Income tax | 11,000 | 20,000 | 29,000 | 37,000 |
| Net income | 214,000 | 400,000 | 583,000 | 742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,798,000 | 4,812,000 | 4,863,000 | 4,781,000 |
| Total capital | 5,234,000 | 5,258,000 | 5,310,000 | 5,238,000 |
| Risk-weighted assets | 35,077,000 | 36,332,000 | 37,343,000 | 38,401,000 |