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 | 36,565,000 | 45,025,000 | 36,605,000 | 35,269,000 |
| Total loans | 16,869,000 | 18,487,000 | 17,758,000 | 16,962,000 |
| Allowance for loan losses | 88,000 | 86,000 | 82,000 | 80,000 |
| Securities available for sale | 11,318,000 | 10,583,000 | 10,286,000 | 9,817,000 |
| Securities held to maturity | 2,846,000 | 2,634,000 | 2,430,000 | 2,426,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,360,000 | 41,914,000 | 33,490,000 | 32,149,000 |
| Interest-bearing deposits | 27,770,000 | 36,407,000 | 27,648,000 | 26,692,000 |
| Noninterest-bearing deposits | 5,590,000 | 5,507,000 | 5,842,000 | 5,457,000 |
| Equity capital | 3,125,000 | 3,038,000 | 3,028,000 | 3,050,000 |
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 | 383,000 | 782,000 | 1,211,000 | 1,642,000 |
| Interest expense | 112,000 | 227,000 | 365,000 | 504,000 |
| Net interest income | 271,000 | 555,000 | 846,000 | 1,138,000 |
| Noninterest income | 155,000 | 330,000 | 508,000 | 642,000 |
| Noninterest expense | 359,000 | 730,000 | 1,112,000 | 1,492,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 67,000 | 155,000 | 242,000 | 288,000 |
| Income tax | 3,000 | 7,000 | 11,000 | 4,000 |
| Net income | 64,000 | 148,000 | 231,000 | 284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,256,000 | 3,119,000 | 2,918,000 | 2,907,000 |
| Total capital | 3,344,000 | 3,205,000 | 3,000,000 | 2,987,000 |
| Risk-weighted assets | 22,291,000 | 24,641,000 | 22,106,000 | 21,894,000 |