Call reports 2004
PECOS COUNTY STATE BANK, THE — 2004
What PECOS COUNTY STATE BANK, THE 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 | 85,682,000 | 83,786,000 | 82,183,000 | 85,867,000 |
| Total loans | 36,026,000 | 37,651,000 | 37,141,000 | 35,976,000 |
| Allowance for loan losses | 406,000 | 399,000 | 466,000 | 381,000 |
| Securities available for sale | 37,330,000 | 35,771,000 | 29,504,000 | 37,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,558,000 | 77,337,000 | 74,655,000 | 78,140,000 |
| Interest-bearing deposits | 59,761,000 | 60,825,000 | 58,644,000 | 60,383,000 |
| Noninterest-bearing deposits | 17,797,000 | 16,512,000 | 16,011,000 | 17,757,000 |
| Equity capital | 7,569,000 | 6,115,000 | 7,216,000 | 6,842,000 |
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 | 1,200,000 | 2,362,000 | 3,553,000 | 4,715,000 |
| Interest expense | 306,000 | 609,000 | 901,000 | 1,210,000 |
| Net interest income | 894,000 | 1,753,000 | 2,652,000 | 3,505,000 |
| Noninterest income | 230,000 | 456,000 | 682,000 | 988,000 |
| Noninterest expense | 728,000 | 1,402,000 | 2,067,000 | 2,751,000 |
| Provision for loan losses | 32,000 | 62,000 | 182,000 | 302,000 |
| Pretax income | 418,000 | 869,000 | 1,341,000 | 1,676,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 418,000 | 869,000 | 1,341,000 | 1,676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,123,000 | 7,223,000 | 7,425,000 | 7,194,000 |
| Total capital | 7,529,000 | 7,622,000 | 7,891,000 | 7,575,000 |
| Risk-weighted assets | 43,057,000 | 44,234,000 | 43,162,000 | 43,565,000 |