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 | 243,809,000 | 245,115,000 | 275,788,000 | 269,716,000 |
| Total loans | 132,415,000 | 135,269,000 | 168,904,000 | 166,478,000 |
| Allowance for loan losses | 1,184,000 | 1,210,000 | 1,225,000 | 1,222,000 |
| Securities available for sale | 87,265,000 | 71,349,000 | 82,372,000 | 77,604,000 |
| Securities held to maturity | 3,642,000 | 3,642,000 | 3,597,000 | 3,312,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,552,000 | 191,314,000 | 196,833,000 | 201,460,000 |
| Interest-bearing deposits | 170,843,000 | 170,662,000 | 179,861,000 | 179,975,000 |
| Noninterest-bearing deposits | 17,709,000 | 20,652,000 | 16,972,000 | 21,485,000 |
| Equity capital | 27,042,000 | 27,631,000 | 27,437,000 | 27,136,000 |
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 | 3,136,000 | 6,139,000 | 9,235,000 | 12,405,000 |
| Interest expense | 1,289,000 | 2,523,000 | 3,763,000 | 4,970,000 |
| Net interest income | 1,847,000 | 3,616,000 | 5,472,000 | 7,435,000 |
| Noninterest income | 470,000 | 1,173,000 | 1,601,000 | 1,893,000 |
| Noninterest expense | 1,432,000 | 2,922,000 | 4,322,000 | 5,855,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 865,000 | 2,000,000 | 2,841,000 | 3,533,000 |
| Income tax | 250,000 | 604,000 | 842,000 | 972,000 |
| Net income | 615,000 | 1,396,000 | 1,999,000 | 2,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,426,000 | 21,946,000 | 22,501,000 | 22,293,000 |
| Total capital | 22,610,000 | 23,156,000 | 23,726,000 | 23,515,000 |
| Risk-weighted assets | 151,398,000 | 154,428,000 | 175,360,000 | 176,476,000 |