Call reports 2003
FIRST STATE BANK OF LIVINGSTON — 2003
What FIRST STATE BANK OF LIVINGSTON reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 216,179,000 | 216,261,000 | 211,620,000 | 209,786,000 |
| Total loans | 105,182,000 | 106,871,000 | 106,180,000 | 107,984,000 |
| Allowance for loan losses | 833,000 | 874,000 | 883,000 | 880,000 |
| Securities available for sale | 79,693,000 | 87,173,000 | 90,603,000 | 86,144,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 189,098,000 | 187,201,000 | 181,791,000 | 181,588,000 |
| Interest-bearing deposits | 156,759,000 | 155,330,000 | 150,169,000 | 150,126,000 |
| Noninterest-bearing deposits | 32,339,000 | 31,871,000 | 31,622,000 | 31,462,000 |
| Equity capital | 23,604,000 | 24,792,000 | 24,520,000 | 24,914,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,607,000 | 5,260,000 | 7,828,000 | 10,497,000 |
| Interest expense | 801,000 | 1,609,000 | 2,306,000 | 2,927,000 |
| Net interest income | 1,806,000 | 3,651,000 | 5,522,000 | 7,570,000 |
| Noninterest income | 484,000 | 990,000 | 1,487,000 | 1,992,000 |
| Noninterest expense | 1,467,000 | 2,878,000 | 4,314,000 | 5,809,000 |
| Provision for loan losses | 40,000 | 100,000 | 140,000 | 195,000 |
| Pretax income | 783,000 | 1,663,000 | 2,555,000 | 3,558,000 |
| Income tax | 123,000 | 266,000 | 410,000 | 589,000 |
| Net income | 660,000 | 1,397,000 | 2,145,000 | 2,969,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,475,000 | 22,212,000 | 22,360,000 | 23,184,000 |
| Total capital | 22,308,000 | 23,086,000 | 23,243,000 | 24,064,000 |
| Risk-weighted assets | 90,803,000 | 91,035,000 | 90,009,000 | 91,594,000 |
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