Call reports 2009
FIRST STATE BANK OF COLORADO — 2009
What FIRST STATE BANK OF COLORADO reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 53,834,000 | 54,997,000 | 56,750,000 | 55,772,000 |
| Total loans | 40,097,000 | 38,171,000 | 41,448,000 | 41,585,000 |
| Allowance for loan losses | 583,000 | 613,000 | 648,000 | 579,000 |
| Securities available for sale | 6,867,000 | 8,341,000 | 8,172,000 | 7,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,743,000 | 46,823,000 | 45,690,000 | 47,837,000 |
| Interest-bearing deposits | 36,255,000 | 37,942,000 | 37,369,000 | 38,545,000 |
| Noninterest-bearing deposits | 8,488,000 | 8,881,000 | 8,321,000 | 9,292,000 |
| Equity capital | 7,912,000 | 7,874,000 | 7,948,000 | 7,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 737,000 | 1,483,000 | 2,212,000 | 2,957,000 |
| Interest expense | 165,000 | 318,000 | 457,000 | 590,000 |
| Net interest income | 572,000 | 1,165,000 | 1,755,000 | 2,367,000 |
| Noninterest income | 98,000 | 191,000 | 326,000 | 424,000 |
| Noninterest expense | 596,000 | 1,177,000 | 1,677,000 | 2,265,000 |
| Provision for loan losses | 30,000 | 60,000 | 95,000 | 243,000 |
| Pretax income | 50,000 | 125,000 | 315,000 | 298,000 |
| Income tax | 18,000 | 27,000 | 94,000 | 78,000 |
| Net income | 32,000 | 98,000 | 221,000 | 220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,358,000 | 6,347,000 | 6,375,000 | 6,259,000 |
| Total capital | 6,893,000 | 6,869,000 | 6,932,000 | 6,818,000 |
| Risk-weighted assets | 42,718,000 | 41,645,000 | 44,484,000 | 44,713,000 |