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 | 56,668,000 | 58,206,000 | 56,185,000 | 57,722,000 |
| Total loans | 44,200,000 | 46,544,000 | 45,287,000 | 44,341,000 |
| Allowance for loan losses | 484,000 | 487,000 | 487,000 | 500,000 |
| Securities available for sale | 6,676,000 | 5,815,000 | 5,788,000 | 5,803,000 |
| Securities held to maturity | 840,000 | 550,000 | 550,000 | 550,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,597,000 | 47,532,000 | 46,302,000 | 47,707,000 |
| Interest-bearing deposits | 40,968,000 | 41,052,000 | 39,574,000 | 40,878,000 |
| Noninterest-bearing deposits | 5,629,000 | 6,480,000 | 6,728,000 | 6,829,000 |
| Equity capital | 5,785,000 | 5,990,000 | 6,194,000 | 6,286,000 |
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 | 743,000 | 1,519,000 | 2,314,000 | 3,101,000 |
| Interest expense | 259,000 | 546,000 | 854,000 | 1,160,000 |
| Net interest income | 484,000 | 973,000 | 1,460,000 | 1,941,000 |
| Noninterest income | 42,000 | 79,000 | 121,000 | 164,000 |
| Noninterest expense | 201,000 | 394,000 | 598,000 | 858,000 |
| Provision for loan losses | 0 | 0 | 0 | 35,000 |
| Pretax income | 325,000 | 748,000 | 1,073,000 | 1,302,000 |
| Income tax | 16,000 | 33,000 | 49,000 | 61,000 |
| Net income | 309,000 | 715,000 | 1,024,000 | 1,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,744,000 | 5,971,000 | 6,191,000 | 6,313,000 |
| Total capital | 6,228,000 | 6,458,000 | 6,678,000 | 6,813,000 |
| Risk-weighted assets | 40,427,000 | 42,185,000 | 40,723,000 | 40,101,000 |