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 | 24,095,000 | 24,820,000 | 25,597,000 | 26,434,000 |
| Total loans | 12,193,000 | 12,594,000 | 13,183,000 | 13,707,000 |
| Allowance for loan losses | 424,000 | 433,000 | 430,000 | 371,000 |
| Securities available for sale | 9,755,000 | 9,890,000 | 9,493,000 | 10,478,000 |
| Securities held to maturity | 240,000 | 240,000 | 240,000 | 120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,435,000 | 21,086,000 | 21,967,000 | 22,789,000 |
| Interest-bearing deposits | 18,702,000 | 19,340,000 | 19,756,000 | 20,321,000 |
| Noninterest-bearing deposits | 1,733,000 | 1,746,000 | 2,211,000 | 2,468,000 |
| Equity capital | 2,843,000 | 2,922,000 | 2,802,000 | 2,903,000 |
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 | 359,000 | 707,000 | 1,049,000 | 1,409,000 |
| Interest expense | 170,000 | 337,000 | 496,000 | 649,000 |
| Net interest income | 189,000 | 370,000 | 553,000 | 760,000 |
| Noninterest income | 41,000 | 90,000 | 134,000 | 215,000 |
| Noninterest expense | 138,000 | 273,000 | 408,000 | 540,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 106,000 | 203,000 | 329,000 | 509,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 22,000 |
| Net income | 100,000 | 191,000 | 311,000 | 487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,666,000 | 2,678,000 | 2,696,000 | 2,792,000 |
| Total capital | 2,923,000 | 2,944,000 | 2,967,000 | 3,068,000 |
| Risk-weighted assets | 20,363,000 | 21,149,000 | 21,559,000 | 21,995,000 |