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 | 67,972,000 | 66,858,000 | 67,153,000 | 67,836,000 |
| Total loans | 45,753,000 | 46,438,000 | 44,536,000 | 45,919,000 |
| Allowance for loan losses | 558,000 | 586,000 | 617,000 | 557,000 |
| Securities available for sale | 14,339,000 | 13,526,000 | 13,876,000 | 16,247,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,140,000 | 57,384,000 | 57,882,000 | 58,287,000 |
| Interest-bearing deposits | 52,571,000 | 51,302,000 | 50,067,000 | 50,804,000 |
| Noninterest-bearing deposits | 6,569,000 | 6,082,000 | 7,815,000 | 7,483,000 |
| Equity capital | 6,309,000 | 6,474,000 | 6,545,000 | 6,494,000 |
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 | 1,022,000 | 2,028,000 | 2,971,000 | 3,909,000 |
| Interest expense | 316,000 | 605,000 | 871,000 | 1,108,000 |
| Net interest income | 706,000 | 1,423,000 | 2,100,000 | 2,801,000 |
| Noninterest income | 81,000 | 166,000 | 384,000 | 549,000 |
| Noninterest expense | 538,000 | 1,088,000 | 1,637,000 | 2,230,000 |
| Provision for loan losses | 15,000 | 40,000 | 70,000 | 175,000 |
| Pretax income | 234,000 | 461,000 | 782,000 | 950,000 |
| Income tax | 10,000 | 19,000 | 34,000 | 40,000 |
| Net income | 224,000 | 442,000 | 748,000 | 910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,760,000 | 5,991,000 | 6,165,000 | 6,195,000 |
| Total capital | 6,318,000 | 6,552,000 | 6,715,000 | 6,752,000 |
| Risk-weighted assets | 46,222,000 | 44,840,000 | 43,881,000 | 45,085,000 |