Call reports 2003
FIRST STATE BANK OF DEKALB COUNTY, INC. — 2003
What FIRST STATE BANK OF DEKALB COUNTY, INC. 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 | 70,117,000 | 71,579,000 | 68,365,000 | 66,736,000 |
| Total loans | 43,336,000 | 43,850,000 | 44,533,000 | 44,930,000 |
| Allowance for loan losses | 355,000 | 354,000 | 347,000 | 345,000 |
| Securities available for sale | 20,662,000 | 19,801,000 | 18,135,000 | 15,526,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,064,000 | 59,697,000 | 55,804,000 | 58,275,000 |
| Interest-bearing deposits | 44,888,000 | 44,299,000 | 40,716,000 | 42,869,000 |
| Noninterest-bearing deposits | 16,176,000 | 15,398,000 | 15,088,000 | 15,406,000 |
| Equity capital | 7,926,000 | 8,187,000 | 8,123,000 | 8,231,000 |
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 | 853,000 | 1,751,000 | 2,647,000 | 3,517,000 |
| Interest expense | 209,000 | 398,000 | 574,000 | 739,000 |
| Net interest income | 644,000 | 1,353,000 | 2,073,000 | 2,778,000 |
| Noninterest income | 77,000 | 169,000 | 264,000 | 355,000 |
| Noninterest expense | 549,000 | 1,051,000 | 1,595,000 | 2,285,000 |
| Provision for loan losses | 0 | 0 | 0 | 13,000 |
| Pretax income | 173,000 | 482,000 | 753,000 | 847,000 |
| Income tax | 20,000 | 91,000 | 219,000 | 271,000 |
| Net income | 153,000 | 391,000 | 534,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,926,000 | 8,141,000 | 8,284,000 | 8,326,000 |
| Total capital | 8,281,000 | 8,495,000 | 8,631,000 | 8,671,000 |
| Risk-weighted assets | 47,016,000 | 47,765,000 | 47,708,000 | 47,368,000 |