Call reports 2003
FIRST STATE BANK OF ODEM — 2003
What FIRST STATE BANK OF ODEM 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 | 54,958,000 | 52,826,000 | 55,680,000 | 58,649,000 |
| Total loans | 15,811,000 | 16,305,000 | 14,283,000 | 15,339,000 |
| Allowance for loan losses | 236,000 | 241,000 | 242,000 | 243,000 |
| Securities available for sale | 9,891,000 | 10,499,000 | 11,274,000 | 12,225,000 |
| Securities held to maturity | 15,865,000 | 16,062,000 | 14,363,000 | 15,323,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,338,000 | 45,999,000 | 48,840,000 | 52,236,000 |
| Interest-bearing deposits | 38,057,000 | 37,250,000 | 37,243,000 | 39,236,000 |
| Noninterest-bearing deposits | 10,281,000 | 8,749,000 | 11,597,000 | 13,000,000 |
| Equity capital | 6,206,000 | 6,412,000 | 6,433,000 | 6,196,000 |
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 | 706,000 | 1,385,000 | 2,081,000 | 2,723,000 |
| Interest expense | 224,000 | 426,000 | 616,000 | 800,000 |
| Net interest income | 482,000 | 959,000 | 1,465,000 | 1,923,000 |
| Noninterest income | 84,000 | 160,000 | 242,000 | 325,000 |
| Noninterest expense | 365,000 | 746,000 | 1,119,000 | 1,616,000 |
| Provision for loan losses | 10,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 195,000 | 357,000 | 574,000 | 618,000 |
| Income tax | 44,000 | 77,000 | 128,000 | 122,000 |
| Net income | 151,000 | 280,000 | 446,000 | 496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,967,000 | 6,096,000 | 6,262,000 | 6,053,000 |
| Total capital | 6,203,000 | 6,337,000 | 6,504,000 | 6,296,000 |
| Risk-weighted assets | 25,941,000 | 25,806,000 | 24,901,000 | 25,667,000 |