Call reports 2003
FIRST AMERICAN STATE BANK — 2003
What FIRST AMERICAN 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 | 89,532,000 | 88,678,000 | 91,844,000 | 91,172,000 |
| Total loans | 46,888,000 | 51,502,000 | 52,399,000 | 52,618,000 |
| Allowance for loan losses | 542,000 | 545,000 | 518,000 | 571,000 |
| Securities available for sale | 24,119,000 | 21,703,000 | 21,338,000 | 19,638,000 |
| Securities held to maturity | 1,678,000 | 1,703,000 | 1,689,000 | 5,659,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,375,000 | 80,493,000 | 83,797,000 | 82,616,000 |
| Interest-bearing deposits | 72,400,000 | 71,265,000 | 73,538,000 | 72,627,000 |
| Noninterest-bearing deposits | 8,975,000 | 9,228,000 | 10,259,000 | 9,989,000 |
| Equity capital | 7,508,000 | 7,545,000 | 7,429,000 | 7,379,000 |
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 | 1,182,000 | 2,352,000 | 3,601,000 | 4,782,000 |
| Interest expense | 445,000 | 866,000 | 1,259,000 | 1,609,000 |
| Net interest income | 737,000 | 1,486,000 | 2,342,000 | 3,173,000 |
| Noninterest income | 138,000 | 264,000 | 389,000 | 510,000 |
| Noninterest expense | 716,000 | 1,390,000 | 2,047,000 | 2,680,000 |
| Provision for loan losses | 0 | 0 | 0 | 45,000 |
| Pretax income | 159,000 | 360,000 | 684,000 | 958,000 |
| Income tax | 16,000 | 80,000 | 186,000 | 274,000 |
| Net income | 143,000 | 280,000 | 498,000 | 684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,177,000 | 7,126,000 | 7,157,000 | 7,155,000 |
| Total capital | 7,719,000 | 7,671,000 | 7,675,000 | 7,726,000 |
| Risk-weighted assets | 55,124,000 | 57,344,000 | 58,434,000 | 58,532,000 |
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