Call reports 2015
FIRST STATE BANK — 2015
What FIRST STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 105,920,000 | 105,315,000 | 105,619,000 | 104,621,000 |
| Total loans | 53,218,000 | 54,082,000 | 51,484,000 | 50,771,000 |
| Allowance for loan losses | 423,000 | 448,000 | 474,000 | 499,000 |
| Securities available for sale | 37,498,000 | 35,095,000 | 37,018,000 | 37,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,557,000 | 78,099,000 | 78,258,000 | 77,341,000 |
| Interest-bearing deposits | 67,661,000 | 67,689,000 | 67,461,000 | 64,915,000 |
| Noninterest-bearing deposits | 10,896,000 | 10,410,000 | 10,797,000 | 12,426,000 |
| Equity capital | 14,198,000 | 14,161,000 | 14,305,000 | 14,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 978,000 | 1,953,000 | 2,939,000 | 3,894,000 |
| Interest expense | 177,000 | 347,000 | 521,000 | 693,000 |
| Net interest income | 801,000 | 1,606,000 | 2,418,000 | 3,201,000 |
| Noninterest income | 116,000 | 259,000 | 338,000 | 422,000 |
| Noninterest expense | 549,000 | 1,174,000 | 1,758,000 | 2,334,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 100,000 |
| Pretax income | 341,000 | 646,000 | 928,000 | 1,194,000 |
| Income tax | 89,000 | 164,000 | 228,000 | 289,000 |
| Net income | 252,000 | 482,000 | 700,000 | 905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,570,000 | 12,765,000 | 12,896,000 | 12,949,000 |
| Total capital | 12,993,000 | 13,213,000 | 13,370,000 | 13,448,000 |
| Risk-weighted assets | 64,336,000 | 66,417,000 | 64,828,000 | 63,725,000 |