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 | 225,856,000 | 241,433,000 | 252,068,000 | 254,548,000 |
| Total loans | 105,454,000 | 101,966,000 | 99,507,000 | 100,538,000 |
| Allowance for loan losses | 1,991,000 | 1,858,000 | 1,846,000 | 1,902,000 |
| Securities available for sale | 63,857,000 | 75,794,000 | 91,566,000 | 94,644,000 |
| Securities held to maturity | 47,079,000 | 52,051,000 | 49,628,000 | 45,475,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,280,000 | 195,319,000 | 195,193,000 | 194,858,000 |
| Interest-bearing deposits | 173,431,000 | 183,910,000 | 179,557,000 | 177,987,000 |
| Noninterest-bearing deposits | 11,849,000 | 11,409,000 | 15,636,000 | 16,871,000 |
| Equity capital | 18,453,000 | 17,421,000 | 18,648,000 | 18,507,000 |
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 | 3,010,000 | 6,058,000 | 9,009,000 | 12,023,000 |
| Interest expense | 1,205,000 | 2,418,000 | 3,720,000 | 5,161,000 |
| Net interest income | 1,805,000 | 3,640,000 | 5,289,000 | 6,862,000 |
| Noninterest income | 256,000 | 631,000 | 959,000 | 1,247,000 |
| Noninterest expense | 1,342,000 | 2,812,000 | 4,223,000 | 5,776,000 |
| Provision for loan losses | 100,000 | 250,000 | 400,000 | 525,000 |
| Pretax income | 814,000 | 1,387,000 | 1,812,000 | 2,033,000 |
| Income tax | 218,000 | 338,000 | 391,000 | 388,000 |
| Net income | 596,000 | 1,049,000 | 1,421,000 | 1,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,106,000 | 18,479,000 | 18,774,000 | 18,858,000 |
| Total capital | 19,697,000 | 20,044,000 | 20,352,000 | 20,439,000 |
| Risk-weighted assets | 126,920,000 | 124,873,000 | 126,317,000 | 126,137,000 |
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