Call reports 2014
FIRST STATE BANK OF COLORADO — 2014
What FIRST STATE BANK OF COLORADO reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 182,828,000 | 182,510,000 | 189,190,000 | 193,200,000 |
| Total loans | 114,583,000 | 119,288,000 | 125,177,000 | 122,948,000 |
| Allowance for loan losses | 1,593,000 | 1,340,000 | 1,388,000 | 1,281,000 |
| Securities available for sale | 37,247,000 | 35,654,000 | 34,254,000 | 36,450,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,731,000 | 157,639,000 | 163,930,000 | 167,223,000 |
| Interest-bearing deposits | 113,747,000 | 112,876,000 | 113,828,000 | 117,433,000 |
| Noninterest-bearing deposits | 43,984,000 | 44,763,000 | 50,102,000 | 49,790,000 |
| Equity capital | 24,478,000 | 24,553,000 | 24,846,000 | 25,269,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,849,000 | 3,702,000 | 5,628,000 | 7,594,000 |
| Interest expense | 101,000 | 199,000 | 296,000 | 394,000 |
| Net interest income | 1,748,000 | 3,503,000 | 5,332,000 | 7,200,000 |
| Noninterest income | 239,000 | 445,000 | 695,000 | 951,000 |
| Noninterest expense | 1,411,000 | 3,100,000 | 4,639,000 | 6,201,000 |
| Provision for loan losses | 50,000 | 250,000 | 327,000 | 347,000 |
| Pretax income | 526,000 | 598,000 | 1,061,000 | 1,603,000 |
| Income tax | 190,000 | 214,000 | 383,000 | 581,000 |
| Net income | 336,000 | 384,000 | 678,000 | 1,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,017,000 | 21,988,000 | 22,229,000 | 22,526,000 |
| Total capital | 23,531,000 | 23,328,000 | 23,617,000 | 23,807,000 |
| Risk-weighted assets | 121,011,000 | 124,684,000 | 129,384,000 | 126,780,000 |