Call reports 2008
FIRST STATE BANK OF COLORADO — 2008
What FIRST STATE BANK OF COLORADO reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 52,129,000 | 53,745,000 | 54,181,000 | 54,580,000 |
| Total loans | 35,822,000 | 37,046,000 | 38,860,000 | 37,379,000 |
| Allowance for loan losses | 494,000 | 595,000 | 623,000 | 554,000 |
| Securities available for sale | 9,484,000 | 6,925,000 | 6,888,000 | 6,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,991,000 | 45,756,000 | 46,351,000 | 46,546,000 |
| Interest-bearing deposits | 34,801,000 | 35,624,000 | 36,601,000 | 37,321,000 |
| Noninterest-bearing deposits | 9,190,000 | 10,132,000 | 9,750,000 | 9,225,000 |
| Equity capital | 7,825,000 | 7,745,000 | 7,636,000 | 7,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 869,000 | 1,665,000 | 2,404,000 | 3,225,000 |
| Interest expense | 286,000 | 552,000 | 805,000 | 1,031,000 |
| Net interest income | 583,000 | 1,113,000 | 1,599,000 | 2,194,000 |
| Noninterest income | 113,000 | 303,000 | 425,000 | 533,000 |
| Noninterest expense | 540,000 | 1,093,000 | 1,727,000 | 2,171,000 |
| Provision for loan losses | 20,000 | 123,000 | 152,000 | 183,000 |
| Pretax income | 136,000 | 200,000 | 145,000 | 375,000 |
| Income tax | 40,000 | 61,000 | 36,000 | 118,000 |
| Net income | 96,000 | 139,000 | 109,000 | 257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,325,000 | 6,296,000 | 6,210,000 | 6,321,000 |
| Total capital | 6,793,000 | 6,788,000 | 6,719,000 | 6,829,000 |
| Risk-weighted assets | 37,443,000 | 39,231,000 | 40,620,000 | 40,589,000 |