Call reports 2004
FIRST STATE BANK OF DEKALB COUNTY, INC. — 2004
What FIRST STATE BANK OF DEKALB COUNTY, INC. 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 | 70,321,000 | 69,262,000 | 71,812,000 | 69,834,000 |
| Total loans | 46,882,000 | 45,688,000 | 45,445,000 | 47,739,000 |
| Allowance for loan losses | 374,000 | 428,000 | 429,000 | 408,000 |
| Securities available for sale | 16,940,000 | 16,198,000 | 16,404,000 | 16,405,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,965,000 | 60,580,000 | 62,829,000 | 60,883,000 |
| Interest-bearing deposits | 45,817,000 | 45,906,000 | 45,699,000 | 46,171,000 |
| Noninterest-bearing deposits | 14,148,000 | 14,674,000 | 17,130,000 | 14,712,000 |
| Equity capital | 8,497,000 | 8,461,000 | 8,772,000 | 8,750,000 |
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 | 879,000 | 1,754,000 | 2,643,000 | 3,561,000 |
| Interest expense | 158,000 | 320,000 | 487,000 | 679,000 |
| Net interest income | 721,000 | 1,434,000 | 2,156,000 | 2,882,000 |
| Noninterest income | 96,000 | 192,000 | 290,000 | 396,000 |
| Noninterest expense | 529,000 | 1,060,000 | 1,617,000 | 2,360,000 |
| Provision for loan losses | 30,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 261,000 | 519,000 | 782,000 | 870,000 |
| Income tax | 71,000 | 144,000 | 216,000 | 277,000 |
| Net income | 190,000 | 375,000 | 566,000 | 593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,516,000 | 8,702,000 | 8,893,000 | 8,919,000 |
| Total capital | 8,890,000 | 9,130,000 | 9,322,000 | 9,327,000 |
| Risk-weighted assets | 49,535,000 | 48,837,000 | 49,148,000 | 50,585,000 |