Call reports 2004
FIRST STATE BANK OF LIVINGSTON — 2004
What FIRST STATE BANK OF LIVINGSTON 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 | 214,763,000 | 210,766,000 | 210,553,000 | 212,870,000 |
| Total loans | 106,886,000 | 106,224,000 | 105,956,000 | 105,528,000 |
| Allowance for loan losses | 909,000 | 903,000 | 927,000 | 928,000 |
| Securities available for sale | 91,152,000 | 89,784,000 | 89,970,000 | 87,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,184,000 | 182,806,000 | 181,926,000 | 184,687,000 |
| Interest-bearing deposits | 151,414,000 | 147,113,000 | 145,436,000 | 147,499,000 |
| Noninterest-bearing deposits | 34,770,000 | 35,693,000 | 36,490,000 | 37,188,000 |
| Equity capital | 25,277,000 | 25,237,000 | 25,961,000 | 25,881,000 |
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 | 2,534,000 | 5,116,000 | 7,820,000 | 10,431,000 |
| Interest expense | 580,000 | 1,117,000 | 1,648,000 | 2,215,000 |
| Net interest income | 1,954,000 | 3,999,000 | 6,172,000 | 8,216,000 |
| Noninterest income | 492,000 | 1,037,000 | 1,575,000 | 2,116,000 |
| Noninterest expense | 1,501,000 | 2,975,000 | 4,466,000 | 5,992,000 |
| Provision for loan losses | 20,000 | 20,000 | 80,000 | 120,000 |
| Pretax income | 925,000 | 2,041,000 | 3,201,000 | 4,220,000 |
| Income tax | 153,000 | 347,000 | 549,000 | 707,000 |
| Net income | 772,000 | 1,694,000 | 2,652,000 | 3,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,356,000 | 24,278,000 | 24,636,000 | 24,897,000 |
| Total capital | 24,265,000 | 25,181,000 | 25,563,000 | 25,825,000 |
| Risk-weighted assets | 93,476,000 | 93,962,000 | 96,206,000 | 97,663,000 |
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