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 | 52,373,000 | 55,296,000 | 57,971,000 | 58,719,000 |
| Total loans | 40,705,000 | 42,061,000 | 44,057,000 | 46,568,000 |
| Allowance for loan losses | 427,000 | 445,000 | 421,000 | 426,000 |
| Securities available for sale | 6,371,000 | 6,034,000 | 6,577,000 | 7,369,000 |
| Securities held to maturity | 14,000 | 13,000 | 8,000 | 8,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,928,000 | 44,352,000 | 46,865,000 | 47,659,000 |
| Interest-bearing deposits | 31,134,000 | 31,649,000 | 33,962,000 | 35,783,000 |
| Noninterest-bearing deposits | 10,794,000 | 12,703,000 | 12,903,000 | 11,876,000 |
| Equity capital | 5,947,000 | 5,969,000 | 6,083,000 | 6,227,000 |
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 | 787,000 | 1,615,000 | 2,451,000 | 3,359,000 |
| Interest expense | 160,000 | 330,000 | 510,000 | 708,000 |
| Net interest income | 627,000 | 1,285,000 | 1,941,000 | 2,651,000 |
| Noninterest income | 56,000 | 114,000 | 177,000 | 242,000 |
| Noninterest expense | 538,000 | 1,071,000 | 1,606,000 | 2,182,000 |
| Provision for loan losses | 25,000 | 86,000 | 161,000 | 167,000 |
| Pretax income | 120,000 | 242,000 | 351,000 | 544,000 |
| Income tax | 30,000 | 59,000 | 73,000 | 92,000 |
| Net income | 90,000 | 183,000 | 278,000 | 452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,813,000 | 5,926,000 | 6,040,000 | 6,237,000 |
| Total capital | 6,293,000 | 6,432,000 | 6,512,000 | 6,720,000 |
| Risk-weighted assets | 45,127,000 | 47,486,000 | 49,808,000 | 52,453,000 |