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 | 33,380,000 | 33,043,000 | 31,836,000 | 31,210,000 |
| Total loans | 20,149,000 | 20,100,000 | 20,684,000 | 21,243,000 |
| Allowance for loan losses | 282,000 | 352,000 | 331,000 | 328,000 |
| Securities available for sale | 8,268,000 | 6,644,000 | 7,977,000 | 6,848,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,102,000 | 28,677,000 | 27,442,000 | 26,749,000 |
| Interest-bearing deposits | 22,913,000 | 22,940,000 | 21,363,000 | 20,993,000 |
| Noninterest-bearing deposits | 6,189,000 | 5,737,000 | 6,079,000 | 5,756,000 |
| Equity capital | 4,156,000 | 4,289,000 | 4,320,000 | 4,441,000 |
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 | 453,000 | 891,000 | 1,319,000 | 1,750,000 |
| Interest expense | 116,000 | 225,000 | 309,000 | 380,000 |
| Net interest income | 337,000 | 666,000 | 1,010,000 | 1,370,000 |
| Noninterest income | 63,000 | 309,000 | 383,000 | 500,000 |
| Noninterest expense | 252,000 | 510,000 | 768,000 | 1,033,000 |
| Provision for loan losses | 9,000 | 105,000 | 107,000 | 108,000 |
| Pretax income | 139,000 | 360,000 | 518,000 | 729,000 |
| Income tax | 47,000 | 122,000 | 176,000 | 247,000 |
| Net income | 92,000 | 238,000 | 342,000 | 482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,080,000 | 4,226,000 | 4,282,000 | 4,422,000 |
| Total capital | 4,320,000 | 4,469,000 | 4,530,000 | 4,663,000 |
| Risk-weighted assets | 19,192,000 | 19,364,000 | 19,789,000 | 19,204,000 |