Call reports 2006
FIRST STATE BANK OF COLORADO — 2006
What FIRST STATE BANK OF COLORADO reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 55,026,000 | 54,727,000 | 57,631,000 | 54,197,000 |
| Total loans | 35,952,000 | 36,119,000 | 33,577,000 | 32,080,000 |
| Allowance for loan losses | 536,000 | 535,000 | 546,000 | 556,000 |
| Securities available for sale | 7,650,000 | 7,585,000 | 9,770,000 | 11,772,000 |
| Securities held to maturity | 1,970,000 | 1,985,000 | 995,000 | 996,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,786,000 | 47,372,000 | 50,050,000 | 46,649,000 |
| Interest-bearing deposits | 36,882,000 | 38,351,000 | 39,147,000 | 37,279,000 |
| Noninterest-bearing deposits | 10,904,000 | 9,021,000 | 10,903,000 | 9,370,000 |
| Equity capital | 6,691,000 | 6,944,000 | 7,291,000 | 7,323,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 856,000 | 1,798,000 | 2,784,000 | 3,780,000 |
| Interest expense | 256,000 | 547,000 | 869,000 | 1,196,000 |
| Net interest income | 600,000 | 1,251,000 | 1,915,000 | 2,584,000 |
| Noninterest income | 267,000 | 840,000 | 962,000 | 1,150,000 |
| Noninterest expense | 519,000 | 953,000 | 1,376,000 | 1,832,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 20,000 |
| Pretax income | 348,000 | 1,123,000 | 1,476,000 | 1,867,000 |
| Income tax | 123,000 | 405,000 | 527,000 | 678,000 |
| Net income | 225,000 | 718,000 | 949,000 | 1,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,432,000 | 5,725,000 | 5,956,000 | 5,996,000 |
| Total capital | 5,924,000 | 6,207,000 | 6,426,000 | 6,445,000 |
| Risk-weighted assets | 39,333,000 | 38,530,000 | 37,527,000 | 35,823,000 |