Call reports 2004
FIRST STATE BANK OF NEWCASTLE — 2004
What FIRST STATE BANK OF NEWCASTLE 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 | 97,755,000 | 94,995,000 | 99,180,000 | 102,994,000 |
| Total loans | 33,513,000 | 33,839,000 | 35,371,000 | 33,876,000 |
| Allowance for loan losses | 367,000 | 370,000 | 360,000 | 285,000 |
| Securities available for sale | 52,751,000 | 49,779,000 | 53,013,000 | 59,280,000 |
| Securities held to maturity | 7,327,000 | 6,912,000 | 6,752,000 | 6,178,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,783,000 | 77,557,000 | 80,718,000 | 84,019,000 |
| Interest-bearing deposits | 65,730,000 | 64,817,000 | 66,230,000 | 68,233,000 |
| Noninterest-bearing deposits | 12,053,000 | 12,740,000 | 14,488,000 | 15,786,000 |
| Equity capital | 17,989,000 | 17,266,000 | 18,306,000 | 17,883,000 |
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 | 1,220,000 | 2,415,000 | 3,622,000 | 4,911,000 |
| Interest expense | 310,000 | 617,000 | 925,000 | 1,236,000 |
| Net interest income | 910,000 | 1,798,000 | 2,697,000 | 3,675,000 |
| Noninterest income | 81,000 | 161,000 | 247,000 | 343,000 |
| Noninterest expense | 435,000 | 865,000 | 1,341,000 | 1,987,000 |
| Provision for loan losses | 20,000 | 50,000 | 80,000 | 110,000 |
| Pretax income | 588,000 | 1,085,000 | 1,561,000 | 1,975,000 |
| Income tax | 105,000 | 140,000 | 235,000 | 352,000 |
| Net income | 483,000 | 945,000 | 1,326,000 | 1,623,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,441,000 | 17,574,000 | 18,287,000 | 17,741,000 |
| Total capital | 17,808,000 | 17,944,000 | 18,647,000 | 18,026,000 |
| Risk-weighted assets | 45,975,000 | 46,198,000 | 48,041,000 | 47,791,000 |