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 | 193,647,000 | 196,482,000 | 193,423,000 | 203,434,000 |
| Total loans | 152,324,000 | 154,479,000 | 155,869,000 | 165,109,000 |
| Allowance for loan losses | 3,415,000 | 3,521,000 | 3,372,000 | 3,504,000 |
| Securities available for sale | 11,806,000 | 12,299,000 | 13,218,000 | 12,789,000 |
| Securities held to maturity | 7,640,000 | 7,491,000 | 7,366,000 | 6,431,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,368,000 | 156,758,000 | 154,184,000 | 160,355,000 |
| Interest-bearing deposits | 125,194,000 | 125,943,000 | 124,860,000 | 125,734,000 |
| Noninterest-bearing deposits | 29,174,000 | 30,815,000 | 29,324,000 | 34,621,000 |
| Equity capital | 16,451,000 | 16,774,000 | 16,408,000 | 16,624,000 |
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 | 2,728,000 | 5,590,000 | 8,715,000 | 11,866,000 |
| Interest expense | 811,000 | 1,701,000 | 2,698,000 | 3,765,000 |
| Net interest income | 1,917,000 | 3,889,000 | 6,017,000 | 8,101,000 |
| Noninterest income | 356,000 | 801,000 | 1,221,000 | 1,796,000 |
| Noninterest expense | 1,153,000 | 2,187,000 | 3,415,000 | 4,511,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,120,000 | 2,503,000 | 3,821,000 | 5,387,000 |
| Income tax | 18,000 | 36,000 | 55,000 | 73,000 |
| Net income | 1,102,000 | 2,467,000 | 3,766,000 | 5,314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,586,000 | 16,850,000 | 16,549,000 | 16,798,000 |
| Total capital | 18,646,000 | 18,944,000 | 18,630,000 | 19,014,000 |
| Risk-weighted assets | 163,836,000 | 166,116,000 | 165,196,000 | 175,246,000 |