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 | 39,279,000 | 40,056,000 | 42,900,000 | 48,008,000 |
| Total loans | 30,365,000 | 32,238,000 | 33,886,000 | 36,937,000 |
| Allowance for loan losses | 298,000 | 351,000 | 392,000 | 400,000 |
| Securities available for sale | 4,030,000 | 3,396,000 | 4,236,000 | 6,563,000 |
| Securities held to maturity | 66,000 | 38,000 | 27,000 | 18,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,264,000 | 35,981,000 | 38,728,000 | 38,750,000 |
| Interest-bearing deposits | 27,642,000 | 28,105,000 | 29,457,000 | 29,985,000 |
| Noninterest-bearing deposits | 7,622,000 | 7,876,000 | 9,271,000 | 8,765,000 |
| Equity capital | 3,758,000 | 3,843,000 | 3,900,000 | 5,832,000 |
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 | 645,000 | 1,348,000 | 2,029,000 | 2,692,000 |
| Interest expense | 163,000 | 319,000 | 466,000 | 615,000 |
| Net interest income | 482,000 | 1,029,000 | 1,563,000 | 2,077,000 |
| Noninterest income | 67,000 | 136,000 | 199,000 | 224,000 |
| Noninterest expense | 444,000 | 868,000 | 1,321,000 | 1,834,000 |
| Provision for loan losses | 44,000 | 100,000 | 145,000 | 152,000 |
| Pretax income | 66,000 | 202,000 | 301,000 | 320,000 |
| Income tax | 19,000 | 54,000 | 81,000 | 53,000 |
| Net income | 47,000 | 148,000 | 220,000 | 267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,501,000 | 3,641,000 | 3,757,000 | 5,693,000 |
| Total capital | 3,825,000 | 4,022,000 | 4,180,000 | 6,131,000 |
| Risk-weighted assets | 34,048,000 | 35,621,000 | 37,502,000 | 41,158,000 |