Call reports 2005
FIRST STATE BANK — 2005
What FIRST 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 | 734,048,000 | 737,672,000 | 716,724,000 | 704,650,000 |
| Total loans | 484,687,000 | 473,321,000 | 452,295,000 | 437,316,000 |
| Allowance for loan losses | 3,982,000 | 4,215,000 | 5,370,000 | 5,614,000 |
| Securities available for sale | 182,362,000 | 207,509,000 | 206,104,000 | 216,678,000 |
| Securities held to maturity | 1,484,000 | 1,754,000 | 1,464,000 | 456,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 654,905,000 | 643,711,000 | 637,095,000 | 599,962,000 |
| Interest-bearing deposits | 605,384,000 | 611,515,000 | 509,414,000 | 499,735,000 |
| Noninterest-bearing deposits | 49,521,000 | 32,196,000 | 127,681,000 | 100,227,000 |
| Equity capital | 70,654,000 | 72,140,000 | 72,595,000 | 71,264,000 |
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 | 8,552,000 | 17,288,000 | 26,170,000 | 35,404,000 |
| Interest expense | 2,635,000 | 5,419,000 | 8,270,000 | 11,368,000 |
| Net interest income | 5,917,000 | 11,869,000 | 17,900,000 | 24,036,000 |
| Noninterest income | 1,289,000 | 2,656,000 | 4,566,000 | 5,726,000 |
| Noninterest expense | 5,183,000 | 10,254,000 | 15,532,000 | 20,631,000 |
| Provision for loan losses | 225,000 | 600,000 | 1,775,000 | 2,750,000 |
| Pretax income | 1,771,000 | 3,590,000 | 5,078,000 | 6,286,000 |
| Income tax | 550,000 | 1,150,000 | 1,750,000 | 2,150,000 |
| Net income | 1,221,000 | 2,440,000 | 3,328,000 | 4,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,421,000 | 73,411,000 | 74,083,000 | 72,735,000 |
| Total capital | 77,403,000 | 77,626,000 | 79,454,000 | 78,032,000 |
| Risk-weighted assets | 455,571,000 | 457,937,000 | 438,172,000 | 422,992,000 |