Call reports 2003
FIRST STATE BANK, THE — 2003
What FIRST STATE BANK, THE 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 | 23,286,000 | 23,352,000 | 23,214,000 | 23,800,000 |
| Total loans | 13,457,000 | 14,105,000 | 14,621,000 | 15,088,000 |
| Allowance for loan losses | 194,000 | 205,000 | 209,000 | 194,000 |
| Securities available for sale | 5,858,000 | 5,707,000 | 5,435,000 | 4,789,000 |
| Securities held to maturity | 395,000 | 300,000 | 250,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,871,000 | 20,953,000 | 20,826,000 | 21,374,000 |
| Interest-bearing deposits | 16,150,000 | 16,045,000 | 15,946,000 | 16,588,000 |
| Noninterest-bearing deposits | 4,721,000 | 4,908,000 | 4,880,000 | 4,786,000 |
| Equity capital | 2,326,000 | 2,306,000 | 2,319,000 | 2,373,000 |
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 | 367,000 | 733,000 | 1,110,000 | 1,490,000 |
| Interest expense | 82,000 | 164,000 | 243,000 | 321,000 |
| Net interest income | 285,000 | 569,000 | 867,000 | 1,169,000 |
| Noninterest income | 51,000 | 118,000 | 178,000 | 241,000 |
| Noninterest expense | 199,000 | 405,000 | 610,000 | 829,000 |
| Provision for loan losses | 20,000 | 41,000 | 67,000 | 85,000 |
| Pretax income | 117,000 | 243,000 | 366,000 | 498,000 |
| Income tax | 41,000 | 85,000 | 128,000 | 171,000 |
| Net income | 76,000 | 158,000 | 238,000 | 327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,294,000 | 2,212,000 | 2,267,000 | 2,316,000 |
| Total capital | 2,478,000 | 2,407,000 | 2,468,000 | 2,510,000 |
| Risk-weighted assets | 14,726,000 | 15,549,000 | 16,045,000 | 16,299,000 |