Call reports 2007
FIRST STATE BANK OF COLORADO — 2007
What FIRST STATE BANK OF COLORADO reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 53,595,000 | 53,310,000 | 54,446,000 | 55,227,000 |
| Total loans | 32,678,000 | 33,506,000 | 33,616,000 | 35,477,000 |
| Allowance for loan losses | 555,000 | 538,000 | 650,000 | 728,000 |
| Securities available for sale | 12,279,000 | 12,354,000 | 12,971,000 | 12,056,000 |
| Securities held to maturity | 997,000 | 998,000 | 999,000 | 999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,783,000 | 45,626,000 | 45,427,000 | 46,936,000 |
| Interest-bearing deposits | 36,155,000 | 35,734,000 | 35,590,000 | 36,056,000 |
| Noninterest-bearing deposits | 9,628,000 | 9,892,000 | 9,837,000 | 10,880,000 |
| Equity capital | 7,404,000 | 7,460,000 | 7,605,000 | 7,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 854,000 | 1,756,000 | 2,663,000 | 3,565,000 |
| Interest expense | 308,000 | 613,000 | 925,000 | 1,233,000 |
| Net interest income | 546,000 | 1,143,000 | 1,738,000 | 2,332,000 |
| Noninterest income | 129,000 | 239,000 | 367,000 | 479,000 |
| Noninterest expense | 477,000 | 928,000 | 1,393,000 | 1,856,000 |
| Provision for loan losses | 0 | 0 | 137,000 | 215,000 |
| Pretax income | 198,000 | 454,000 | 575,000 | 740,000 |
| Income tax | 62,000 | 155,000 | 196,000 | 253,000 |
| Net income | 136,000 | 299,000 | 379,000 | 487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,073,000 | 6,236,000 | 6,199,000 | 6,310,000 |
| Total capital | 6,525,000 | 6,695,000 | 6,656,000 | 6,771,000 |
| Risk-weighted assets | 36,026,000 | 36,628,000 | 36,330,000 | 36,577,000 |