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 | 28,232,000 | 30,578,000 | 30,384,000 | 32,670,000 |
| Total loans | 13,631,000 | 14,818,000 | 15,931,000 | 16,287,000 |
| Allowance for loan losses | 374,000 | 378,000 | 417,000 | 423,000 |
| Securities available for sale | 10,833,000 | 10,775,000 | 11,295,000 | 11,763,000 |
| Securities held to maturity | 120,000 | 120,000 | 120,000 | 30,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,457,000 | 27,100,000 | 26,362,000 | 29,049,000 |
| Interest-bearing deposits | 22,275,000 | 24,646,000 | 24,190,000 | 26,496,000 |
| Noninterest-bearing deposits | 2,182,000 | 2,454,000 | 2,172,000 | 2,553,000 |
| Equity capital | 3,016,000 | 2,729,000 | 2,993,000 | 2,898,000 |
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 | 341,000 | 709,000 | 1,111,000 | 1,513,000 |
| Interest expense | 148,000 | 315,000 | 483,000 | 650,000 |
| Net interest income | 193,000 | 394,000 | 628,000 | 863,000 |
| Noninterest income | 52,000 | 98,000 | 127,000 | 173,000 |
| Noninterest expense | 141,000 | 276,000 | 429,000 | 604,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 107,000 | 219,000 | 347,000 | 449,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 20,000 |
| Net income | 101,000 | 207,000 | 329,000 | 429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,817,000 | 2,824,000 | 2,896,000 | 2,896,000 |
| Total capital | 3,092,000 | 3,119,000 | 3,206,000 | 3,209,000 |
| Risk-weighted assets | 22,020,000 | 23,514,000 | 24,721,000 | 24,927,000 |