Call reports 2005
1ST STATE BANK — 2005
What 1ST STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 369,948,000 | 370,737,000 | 365,563,000 | 370,428,000 |
| Total loans | 240,123,000 | 240,026,000 | 236,886,000 | 237,661,000 |
| Allowance for loan losses | 3,695,000 | 4,191,000 | 4,292,000 | 4,254,000 |
| Securities available for sale | 86,134,000 | 87,540,000 | 86,268,000 | 85,574,000 |
| Securities held to maturity | 24,500,000 | 24,251,000 | 24,247,000 | 23,247,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,775,000 | 276,802,000 | 274,205,000 | 271,499,000 |
| Interest-bearing deposits | 260,665,000 | 255,610,000 | 254,348,000 | 247,190,000 |
| Noninterest-bearing deposits | 22,110,000 | 21,192,000 | 19,857,000 | 24,309,000 |
| Equity capital | 59,860,000 | 61,685,000 | 62,062,000 | 61,965,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,503,000 | 9,274,000 | 14,285,000 | 19,629,000 |
| Interest expense | 1,484,000 | 3,120,000 | 4,932,000 | 6,880,000 |
| Net interest income | 3,019,000 | 6,154,000 | 9,353,000 | 12,749,000 |
| Noninterest income | 466,000 | 999,000 | 1,497,000 | 1,952,000 |
| Noninterest expense | 1,965,000 | 3,966,000 | 6,087,000 | 8,141,000 |
| Provision for loan losses | 60,000 | 560,000 | 716,000 | 807,000 |
| Pretax income | 1,458,000 | 2,625,000 | 4,045,000 | 5,751,000 |
| Income tax | 521,000 | 933,000 | 1,461,000 | 2,096,000 |
| Net income | 937,000 | 1,692,000 | 2,584,000 | 3,655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,219,000 | 62,190,000 | 63,343,000 | 63,670,000 |
| Total capital | 64,749,000 | 65,730,000 | 66,839,000 | 67,228,000 |
| Risk-weighted assets | 282,274,000 | 282,532,000 | 278,853,000 | 283,973,000 |