Call reports 2005
FIRST STATE BANK AND TRUST — 2005
What FIRST STATE BANK AND TRUST 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 | 280,340,000 | 290,656,000 | 293,729,000 | 300,264,000 |
| Total loans | 202,796,000 | 215,063,000 | 222,761,000 | 231,621,000 |
| Allowance for loan losses | 2,538,000 | 2,595,000 | 2,684,000 | 2,723,000 |
| Securities available for sale | 55,761,000 | 54,392,000 | 50,036,000 | 46,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,975,000 | 222,647,000 | 229,782,000 | 232,130,000 |
| Interest-bearing deposits | 195,987,000 | 193,319,000 | 199,570,000 | 201,253,000 |
| Noninterest-bearing deposits | 25,988,000 | 29,328,000 | 30,212,000 | 30,877,000 |
| Equity capital | 20,158,000 | 20,852,000 | 21,145,000 | 21,600,000 |
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 | 3,882,000 | 8,349,000 | 13,067,000 | 17,987,000 |
| Interest expense | 1,284,000 | 2,848,000 | 4,580,000 | 6,426,000 |
| Net interest income | 2,598,000 | 5,501,000 | 8,487,000 | 11,561,000 |
| Noninterest income | 616,000 | 1,299,000 | 1,933,000 | 2,711,000 |
| Noninterest expense | 2,383,000 | 4,885,000 | 7,469,000 | 9,850,000 |
| Provision for loan losses | 115,000 | 214,000 | 329,000 | 405,000 |
| Pretax income | 716,000 | 1,701,000 | 2,622,000 | 4,017,000 |
| Income tax | 213,000 | 525,000 | 832,000 | 1,301,000 |
| Net income | 503,000 | 1,176,000 | 1,790,000 | 2,716,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,605,000 | 18,101,000 | 18,538,000 | 19,287,000 |
| Total capital | 23,843,000 | 24,396,000 | 25,222,000 | 26,010,000 |
| Risk-weighted assets | 221,264,000 | 240,022,000 | 239,092,000 | 247,340,000 |