Call reports 2015
FIRST STATE BANK OF COLORADO — 2015
What FIRST STATE BANK OF COLORADO reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 200,371,000 | 199,614,000 | 200,750,000 | 206,093,000 |
| Total loans | 124,759,000 | 121,543,000 | 119,117,000 | 116,827,000 |
| Allowance for loan losses | 1,357,000 | 1,398,000 | 1,089,000 | 1,129,000 |
| Securities available for sale | 36,858,000 | 38,072,000 | 47,437,000 | 49,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,251,000 | 173,817,000 | 174,955,000 | 180,165,000 |
| Interest-bearing deposits | 118,839,000 | 117,058,000 | 117,459,000 | 120,205,000 |
| Noninterest-bearing deposits | 55,412,000 | 56,758,000 | 57,496,000 | 59,960,000 |
| Equity capital | 25,585,000 | 25,590,000 | 25,752,000 | 25,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,878,000 | 3,811,000 | 5,655,000 | 7,508,000 |
| Interest expense | 95,000 | 193,000 | 290,000 | 388,000 |
| Net interest income | 1,783,000 | 3,618,000 | 5,365,000 | 7,120,000 |
| Noninterest income | 248,000 | 509,000 | 819,000 | 1,070,000 |
| Noninterest expense | 1,487,000 | 3,007,000 | 4,654,000 | 6,194,000 |
| Provision for loan losses | 70,000 | 145,000 | 300,000 | 370,000 |
| Pretax income | 474,000 | 975,000 | 1,230,000 | 1,626,000 |
| Income tax | 173,000 | 360,000 | 453,000 | 594,000 |
| Net income | 301,000 | 615,000 | 777,000 | 1,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,994,000 | 23,239,000 | 23,323,000 | 23,498,000 |
| Total capital | 24,351,000 | 24,637,000 | 24,412,000 | 24,627,000 |
| Risk-weighted assets | 138,620,000 | 127,896,000 | 126,524,000 | 125,378,000 |