Call reports 2005
FIRST STATE BANK OF RANSOM, THE — 2005
What FIRST STATE BANK OF RANSOM, THE 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 | 34,136,000 | 34,003,000 | 33,249,000 | 33,785,000 |
| Total loans | 9,537,000 | 10,549,000 | 10,667,000 | 11,979,000 |
| Allowance for loan losses | 842,000 | 842,000 | 843,000 | 843,000 |
| Securities available for sale | 19,344,000 | 19,508,000 | 19,588,000 | 19,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,668,000 | 26,364,000 | 25,566,000 | 25,303,000 |
| Interest-bearing deposits | 23,686,000 | 23,537,000 | 22,809,000 | 22,564,000 |
| Noninterest-bearing deposits | 2,982,000 | 2,827,000 | 2,757,000 | 2,739,000 |
| Equity capital | 7,361,000 | 7,542,000 | 7,567,000 | 7,305,000 |
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 | 335,000 | 685,000 | 1,046,000 | 1,423,000 |
| Interest expense | 108,000 | 224,000 | 347,000 | 481,000 |
| Net interest income | 227,000 | 461,000 | 699,000 | 942,000 |
| Noninterest income | 32,000 | 63,000 | 93,000 | 150,000 |
| Noninterest expense | 151,000 | 309,000 | 465,000 | 712,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 108,000 | 215,000 | 327,000 | 380,000 |
| Income tax | 30,000 | 58,000 | 89,000 | 109,000 |
| Net income | 78,000 | 157,000 | 238,000 | 271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,507,000 | 7,586,000 | 7,667,000 | 7,500,000 |
| Total capital | 7,706,000 | 7,794,000 | 7,877,000 | 7,724,000 |
| Risk-weighted assets | 15,282,000 | 15,988,000 | 16,178,000 | 17,261,000 |