Call reports 2003
FIRST STATE BANK — 2003
What FIRST STATE BANK 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 | 214,866,000 | 215,802,000 | 227,144,000 | 233,200,000 |
| Total loans | 125,323,000 | 120,776,000 | 122,468,000 | 116,444,000 |
| Allowance for loan losses | 2,356,000 | 2,060,000 | 2,200,000 | 1,968,000 |
| Securities available for sale | 54,255,000 | 53,742,000 | 64,457,000 | 63,207,000 |
| Securities held to maturity | 24,554,000 | 31,326,000 | 29,994,000 | 43,511,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,404,000 | 176,864,000 | 190,684,000 | 191,283,000 |
| Interest-bearing deposits | 169,166,000 | 164,436,000 | 179,204,000 | 179,942,000 |
| Noninterest-bearing deposits | 12,238,000 | 12,428,000 | 11,480,000 | 11,341,000 |
| Equity capital | 17,292,000 | 17,673,000 | 17,692,000 | 17,870,000 |
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 | 3,103,000 | 6,326,000 | 9,357,000 | 12,488,000 |
| Interest expense | 1,547,000 | 2,980,000 | 4,232,000 | 5,497,000 |
| Net interest income | 1,556,000 | 3,346,000 | 5,125,000 | 6,991,000 |
| Noninterest income | 252,000 | 558,000 | 841,000 | 1,126,000 |
| Noninterest expense | 1,200,000 | 2,550,000 | 4,040,000 | 5,369,000 |
| Provision for loan losses | 253,000 | 478,000 | 675,000 | 1,084,000 |
| Pretax income | 413,000 | 963,000 | 1,353,000 | 1,804,000 |
| Income tax | 73,000 | 240,000 | 283,000 | 372,000 |
| Net income | 340,000 | 723,000 | 1,070,000 | 1,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,138,000 | 17,421,000 | 17,668,000 | 17,870,000 |
| Total capital | 18,868,000 | 19,076,000 | 19,392,000 | 19,535,000 |
| Risk-weighted assets | 137,787,000 | 132,023,000 | 137,431,000 | 132,869,000 |
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