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 | 45,789,000 | 45,325,000 | 46,262,000 | 50,832,000 |
| Total loans | 21,224,000 | 23,725,000 | 25,895,000 | 26,867,000 |
| Allowance for loan losses | 570,000 | 570,000 | 588,000 | 610,000 |
| Securities available for sale | 18,633,000 | 15,960,000 | 13,528,000 | 14,500,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,971,000 | 39,234,000 | 40,032,000 | 44,515,000 |
| Interest-bearing deposits | 30,784,000 | 29,875,000 | 31,374,000 | 32,983,000 |
| Noninterest-bearing deposits | 9,187,000 | 9,359,000 | 8,658,000 | 11,532,000 |
| Equity capital | 5,420,000 | 5,642,000 | 5,735,000 | 5,665,000 |
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 | 596,000 | 1,218,000 | 1,917,000 | 2,608,000 |
| Interest expense | 99,000 | 210,000 | 340,000 | 482,000 |
| Net interest income | 497,000 | 1,008,000 | 1,577,000 | 2,126,000 |
| Noninterest income | 56,000 | 118,000 | 194,000 | 285,000 |
| Noninterest expense | 415,000 | 811,000 | 1,188,000 | 1,580,000 |
| Provision for loan losses | 29,000 | 62,000 | 96,000 | 121,000 |
| Pretax income | 97,000 | 215,000 | 434,000 | 655,000 |
| Income tax | 22,000 | 51,000 | 121,000 | 202,000 |
| Net income | 75,000 | 164,000 | 313,000 | 453,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,561,000 | 5,651,000 | 5,800,000 | 5,805,000 |
| Total capital | 5,912,000 | 6,026,000 | 6,198,000 | 6,222,000 |
| Risk-weighted assets | 27,833,000 | 29,806,000 | 31,646,000 | 33,206,000 |