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 | 27,995,000 | 29,761,000 | 28,049,000 | 27,357,000 |
| Total loans | 20,130,000 | 22,454,000 | 22,502,000 | 22,156,000 |
| Allowance for loan losses | 274,000 | 283,000 | 292,000 | 280,000 |
| Securities available for sale | 1,273,000 | 1,069,000 | 530,000 | 515,000 |
| Securities held to maturity | 3,787,000 | 3,040,000 | 2,709,000 | 2,582,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,313,000 | 24,512,000 | 22,559,000 | 23,479,000 |
| Interest-bearing deposits | 20,399,000 | 21,964,000 | 20,103,000 | 20,190,000 |
| Noninterest-bearing deposits | 2,914,000 | 2,548,000 | 2,456,000 | 3,289,000 |
| Equity capital | 2,716,000 | 2,730,000 | 2,759,000 | 2,767,000 |
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 | 392,000 | 797,000 | 1,197,000 | 1,588,000 |
| Interest expense | 128,000 | 256,000 | 392,000 | 524,000 |
| Net interest income | 264,000 | 541,000 | 805,000 | 1,064,000 |
| Noninterest income | 25,000 | 61,000 | 115,000 | 154,000 |
| Noninterest expense | 197,000 | 399,000 | 596,000 | 832,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 15,000 |
| Pretax income | 83,000 | 185,000 | 297,000 | 371,000 |
| Income tax | 14,000 | 51,000 | 85,000 | 100,000 |
| Net income | 69,000 | 134,000 | 212,000 | 271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,413,000 | 2,433,000 | 2,461,000 | 2,470,000 |
| Total capital | 2,680,000 | 2,716,000 | 2,752,000 | 2,750,000 |
| Risk-weighted assets | 20,965,000 | 23,640,000 | 23,267,000 | 22,620,000 |
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