Call reports 2004
FIRST STATE BANK — 2004
What FIRST STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 57,962,000 | 58,781,000 | 57,889,000 | 60,558,000 |
| Total loans | 38,345,000 | 40,921,000 | 41,726,000 | 37,425,000 |
| Allowance for loan losses | 502,000 | 527,000 | 527,000 | 552,000 |
| Securities available for sale | 16,350,000 | 15,491,000 | 13,816,000 | 16,253,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,077,000 | 52,270,000 | 50,855,000 | 53,637,000 |
| Interest-bearing deposits | 49,129,000 | 49,681,000 | 47,515,000 | 50,025,000 |
| Noninterest-bearing deposits | 2,948,000 | 2,589,000 | 3,340,000 | 3,612,000 |
| Equity capital | 5,196,000 | 5,022,000 | 5,384,000 | 5,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 784,000 | 1,560,000 | 2,376,000 | 3,209,000 |
| Interest expense | 242,000 | 486,000 | 737,000 | 1,002,000 |
| Net interest income | 542,000 | 1,074,000 | 1,639,000 | 2,207,000 |
| Noninterest income | 26,000 | 51,000 | 80,000 | 174,000 |
| Noninterest expense | 287,000 | 627,000 | 903,000 | 1,321,000 |
| Provision for loan losses | -36,000 | 40,000 | 56,000 | 82,000 |
| Pretax income | 317,000 | 465,000 | 770,000 | 981,000 |
| Income tax | 83,000 | 178,000 | 226,000 | 324,000 |
| Net income | 234,000 | 287,000 | 544,000 | 657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,970,000 | 5,023,000 | 5,290,000 | 5,255,000 |
| Total capital | 5,472,000 | 5,550,000 | 5,817,000 | 5,807,000 |
| Risk-weighted assets | 43,908,000 | 45,811,000 | 46,190,000 | 44,133,000 |
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