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 | 269,628,000 | 273,980,000 | 278,279,000 | 277,443,000 |
| Total loans | 167,148,000 | 177,553,000 | 181,558,000 | 183,358,000 |
| Allowance for loan losses | 1,263,000 | 1,321,000 | 1,362,000 | 1,420,000 |
| Securities available for sale | 77,820,000 | 72,711,000 | 71,246,000 | 67,273,000 |
| Securities held to maturity | 3,311,000 | 3,311,000 | 3,311,000 | 2,843,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,793,000 | 206,382,000 | 209,233,000 | 218,106,000 |
| Interest-bearing deposits | 189,342,000 | 185,661,000 | 190,193,000 | 195,706,000 |
| Noninterest-bearing deposits | 20,451,000 | 20,721,000 | 19,040,000 | 22,400,000 |
| Equity capital | 28,186,000 | 27,290,000 | 28,827,000 | 28,822,000 |
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 | 3,165,000 | 6,370,000 | 9,737,000 | 13,193,000 |
| Interest expense | 1,157,000 | 2,327,000 | 3,592,000 | 4,944,000 |
| Net interest income | 2,008,000 | 4,043,000 | 6,145,000 | 8,249,000 |
| Noninterest income | 518,000 | 808,000 | 1,331,000 | 1,759,000 |
| Noninterest expense | 1,482,000 | 2,933,000 | 4,536,000 | 6,268,000 |
| Provision for loan losses | 60,000 | 125,000 | 200,000 | 275,000 |
| Pretax income | 984,000 | 1,797,000 | 2,742,000 | 3,467,000 |
| Income tax | 291,000 | 514,000 | 784,000 | 970,000 |
| Net income | 693,000 | 1,283,000 | 1,958,000 | 2,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,925,000 | 23,224,000 | 23,903,000 | 24,081,000 |
| Total capital | 24,188,000 | 24,545,000 | 25,265,000 | 25,501,000 |
| Risk-weighted assets | 173,364,000 | 180,303,000 | 187,144,000 | 189,817,000 |