Call reports 2005
FIRST STATE BANK IN TEMPLE — 2005
What FIRST STATE BANK IN TEMPLE 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 | 20,187,000 | 20,065,000 | 19,452,000 | 21,817,000 |
| Total loans | 10,935,000 | 9,456,000 | 10,454,000 | 13,590,000 |
| Allowance for loan losses | 480,000 | 475,000 | 476,000 | 476,000 |
| Securities available for sale | 4,356,000 | 4,388,000 | 5,501,000 | 5,591,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,605,000 | 16,424,000 | 15,703,000 | 16,076,000 |
| Interest-bearing deposits | 13,959,000 | 13,642,000 | 13,179,000 | 13,762,000 |
| Noninterest-bearing deposits | 2,646,000 | 2,782,000 | 2,524,000 | 2,314,000 |
| Equity capital | 3,516,000 | 3,579,000 | 3,669,000 | 3,413,000 |
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 | 304,000 | 578,000 | 890,000 | 1,217,000 |
| Interest expense | 57,000 | 125,000 | 201,000 | 286,000 |
| Net interest income | 247,000 | 453,000 | 689,000 | 931,000 |
| Noninterest income | 23,000 | 42,000 | 63,000 | 82,000 |
| Noninterest expense | 138,000 | 280,000 | 421,000 | 835,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 132,000 | 215,000 | 337,000 | 184,000 |
| Income tax | 17,000 | 38,000 | 44,000 | 0 |
| Net income | 115,000 | 177,000 | 293,000 | 184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,499,000 | 3,562,000 | 3,677,000 | 3,517,000 |
| Total capital | 3,636,000 | 3,684,000 | 3,798,000 | 3,677,000 |
| Risk-weighted assets | 10,581,000 | 9,408,000 | 10,200,000 | 12,484,000 |