Call reports 2004
FIRST STATE BANK — 2004
What FIRST STATE BANK 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 | 77,153,000 | 92,742,000 | 96,094,000 | 96,931,000 |
| Total loans | 19,456,000 | 18,133,000 | 17,588,000 | 17,692,000 |
| Allowance for loan losses | 486,000 | 458,000 | 481,000 | 452,000 |
| Securities available for sale | 370,000 | 363,000 | 380,000 | 427,000 |
| Securities held to maturity | 45,977,000 | 48,313,000 | 53,208,000 | 63,103,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,329,000 | 84,879,000 | 88,065,000 | 88,546,000 |
| Interest-bearing deposits | 56,224,000 | 68,830,000 | 73,240,000 | 73,736,000 |
| Noninterest-bearing deposits | 13,105,000 | 16,049,000 | 14,825,000 | 14,810,000 |
| Equity capital | 7,497,000 | 7,556,000 | 7,676,000 | 7,998,000 |
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 | 1,047,000 | 2,074,000 | 3,193,000 | 4,402,000 |
| Interest expense | 191,000 | 388,000 | 599,000 | 827,000 |
| Net interest income | 856,000 | 1,686,000 | 2,594,000 | 3,575,000 |
| Noninterest income | 153,000 | 311,000 | 485,000 | 630,000 |
| Noninterest expense | 793,000 | 1,667,000 | 2,542,000 | 3,323,000 |
| Provision for loan losses | 45,000 | 45,000 | 90,000 | 90,000 |
| Pretax income | 171,000 | 285,000 | 447,000 | 792,000 |
| Income tax | 58,000 | 108,000 | 161,000 | 215,000 |
| Net income | 113,000 | 177,000 | 286,000 | 577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,323,000 | 7,392,000 | 7,508,000 | 7,861,000 |
| Total capital | 7,671,000 | 7,769,000 | 7,895,000 | 8,451,000 |
| Risk-weighted assets | 22,161,000 | 24,799,000 | 24,986,000 | 40,512,000 |
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