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 | 303,746,000 | 303,355,000 | 316,836,000 | 321,085,000 |
| Total loans | 167,059,000 | 169,271,000 | 178,011,000 | 183,545,000 |
| Allowance for loan losses | 2,871,000 | 2,866,000 | 2,846,000 | 2,823,000 |
| Securities available for sale | 106,767,000 | 106,580,000 | 102,367,000 | 107,155,000 |
| Securities held to maturity | 704,000 | 605,000 | 605,000 | 605,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,768,000 | 241,039,000 | 258,299,000 | 268,994,000 |
| Interest-bearing deposits | 214,118,000 | 204,892,000 | 212,222,000 | 218,948,000 |
| Noninterest-bearing deposits | 36,650,000 | 36,147,000 | 46,077,000 | 50,046,000 |
| Equity capital | 38,250,000 | 39,300,000 | 39,393,000 | 38,093,000 |
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 | 3,958,000 | 8,043,000 | 12,434,000 | 17,067,000 |
| Interest expense | 1,122,000 | 2,334,000 | 3,775,000 | 5,290,000 |
| Net interest income | 2,836,000 | 5,709,000 | 8,659,000 | 11,777,000 |
| Noninterest income | 546,000 | 1,119,000 | 1,640,000 | 2,122,000 |
| Noninterest expense | 1,990,000 | 3,961,000 | 6,069,000 | 8,098,000 |
| Provision for loan losses | 75,000 | 80,000 | 80,000 | 80,000 |
| Pretax income | 1,318,000 | 2,831,000 | 4,199,000 | 5,782,000 |
| Income tax | 298,000 | 767,000 | 1,185,000 | 1,668,000 |
| Net income | 1,020,000 | 2,064,000 | 3,014,000 | 4,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,345,000 | 39,274,000 | 39,810,000 | 36,971,000 |
| Total capital | 40,918,000 | 41,908,000 | 42,535,000 | 39,778,000 |
| Risk-weighted assets | 205,560,000 | 210,186,000 | 217,865,000 | 224,538,000 |