Call reports 2004
FIRST STATE BANK OF OLMSTED — 2004
What FIRST STATE BANK OF OLMSTED 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 | 24,378,000 | 24,093,000 | 23,594,000 | 22,914,000 |
| Total loans | 12,872,000 | 13,502,000 | 13,702,000 | 13,383,000 |
| Allowance for loan losses | 119,000 | 119,000 | 129,000 | 134,000 |
| Securities available for sale | 3,900,000 | 3,743,000 | 3,655,000 | 3,641,000 |
| Securities held to maturity | 5,492,000 | 5,300,000 | 4,794,000 | 4,532,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,235,000 | 20,667,000 | 19,262,000 | 19,587,000 |
| Interest-bearing deposits | 18,141,000 | 17,374,000 | 15,828,000 | 15,728,000 |
| Noninterest-bearing deposits | 3,094,000 | 3,293,000 | 3,434,000 | 3,859,000 |
| Equity capital | 3,063,000 | 3,130,000 | 3,249,000 | 3,178,000 |
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 | 306,000 | 630,000 | 947,000 | 1,275,000 |
| Interest expense | 76,000 | 149,000 | 225,000 | 302,000 |
| Net interest income | 230,000 | 481,000 | 722,000 | 973,000 |
| Noninterest income | 32,000 | 65,000 | 98,000 | 137,000 |
| Noninterest expense | 142,000 | 293,000 | 413,000 | 624,000 |
| Provision for loan losses | 1,000 | 1,000 | 11,000 | 20,000 |
| Pretax income | 119,000 | 252,000 | 396,000 | 466,000 |
| Income tax | 16,000 | 45,000 | 86,000 | 98,000 |
| Net income | 103,000 | 207,000 | 310,000 | 368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,021,000 | 3,123,000 | 3,227,000 | 3,160,000 |
| Total capital | 3,140,000 | 3,242,000 | 3,356,000 | 3,294,000 |
| Risk-weighted assets | 12,634,000 | 12,903,000 | 12,851,000 | 12,563,000 |