Call reports 2003
FIRST STATE BANK OF OLMSTED — 2003
What FIRST STATE BANK OF OLMSTED 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 | 21,579,000 | 21,740,000 | 23,303,000 | 23,265,000 |
| Total loans | 11,890,000 | 11,624,000 | 12,401,000 | 12,138,000 |
| Allowance for loan losses | 113,000 | 117,000 | 118,000 | 118,000 |
| Securities available for sale | 3,300,000 | 3,811,000 | 3,218,000 | 3,143,000 |
| Securities held to maturity | 4,072,000 | 3,372,000 | 5,067,000 | 5,985,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,744,000 | 18,806,000 | 20,280,000 | 20,214,000 |
| Interest-bearing deposits | 15,952,000 | 15,981,000 | 16,589,000 | 17,187,000 |
| Noninterest-bearing deposits | 2,792,000 | 2,825,000 | 3,691,000 | 3,027,000 |
| Equity capital | 2,749,000 | 2,827,000 | 2,897,000 | 2,909,000 |
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 | 313,000 | 614,000 | 924,000 | 1,238,000 |
| Interest expense | 101,000 | 196,000 | 287,000 | 376,000 |
| Net interest income | 212,000 | 418,000 | 637,000 | 862,000 |
| Noninterest income | 33,000 | 65,000 | 101,000 | 134,000 |
| Noninterest expense | 136,000 | 275,000 | 411,000 | 579,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 109,000 | 208,000 | 327,000 | 407,000 |
| Income tax | 15,000 | 40,000 | 73,000 | 93,000 |
| Net income | 94,000 | 168,000 | 254,000 | 314,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,701,000 | 2,774,000 | 2,859,000 | 2,918,000 |
| Total capital | 2,814,000 | 2,891,000 | 2,977,000 | 3,036,000 |
| Risk-weighted assets | 11,228,000 | 11,218,000 | 12,116,000 | 11,813,000 |
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