Call reports 2005
FIRST STATE BANK OF COLORADO — 2005
What FIRST STATE BANK OF COLORADO 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 | 51,576,000 | 51,496,000 | 51,601,000 | 52,081,000 |
| Total loans | 36,835,000 | 37,187,000 | 37,387,000 | 35,920,000 |
| Allowance for loan losses | 512,000 | 524,000 | 536,000 | 536,000 |
| Securities available for sale | 6,522,000 | 7,796,000 | 7,991,000 | 7,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,251,000 | 44,428,000 | 44,307,000 | 44,793,000 |
| Interest-bearing deposits | 36,326,000 | 35,593,000 | 35,258,000 | 35,787,000 |
| Noninterest-bearing deposits | 7,925,000 | 8,835,000 | 9,049,000 | 9,006,000 |
| Equity capital | 6,478,000 | 6,695,000 | 6,684,000 | 6,857,000 |
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 | 752,000 | 1,561,000 | 2,382,000 | 3,221,000 |
| Interest expense | 156,000 | 333,000 | 523,000 | 750,000 |
| Net interest income | 596,000 | 1,228,000 | 1,859,000 | 2,471,000 |
| Noninterest income | 161,000 | 514,000 | 648,000 | 774,000 |
| Noninterest expense | 411,000 | 879,000 | 1,301,000 | 1,716,000 |
| Provision for loan losses | 32,000 | 44,000 | 57,000 | 57,000 |
| Pretax income | 314,000 | 819,000 | 1,149,000 | 1,472,000 |
| Income tax | 107,000 | 293,000 | 420,000 | 513,000 |
| Net income | 207,000 | 526,000 | 729,000 | 959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,174,000 | 5,314,000 | 5,337,000 | 5,567,000 |
| Total capital | 5,668,000 | 5,810,000 | 5,847,000 | 6,065,000 |
| Risk-weighted assets | 39,535,000 | 39,680,000 | 40,781,000 | 39,785,000 |