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 | 74,485,000 | 73,975,000 | 76,066,000 | 78,812,000 |
| Total loans | 56,188,000 | 58,965,000 | 63,017,000 | 64,822,000 |
| Allowance for loan losses | 615,000 | 632,000 | 666,000 | 753,000 |
| Securities available for sale | 9,832,000 | 8,921,000 | 6,592,000 | 6,560,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,195,000 | 62,829,000 | 63,723,000 | 66,088,000 |
| Interest-bearing deposits | 58,203,000 | 57,796,000 | 58,539,000 | 60,572,000 |
| Noninterest-bearing deposits | 4,992,000 | 5,033,000 | 5,184,000 | 5,516,000 |
| Equity capital | 6,758,000 | 6,684,000 | 7,071,000 | 6,933,000 |
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 | 1,017,000 | 2,037,000 | 3,103,000 | 4,196,000 |
| Interest expense | 366,000 | 708,000 | 1,058,000 | 1,431,000 |
| Net interest income | 651,000 | 1,329,000 | 2,045,000 | 2,765,000 |
| Noninterest income | 39,000 | 101,000 | 155,000 | 237,000 |
| Noninterest expense | 389,000 | 788,000 | 1,175,000 | 1,646,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 220,000 |
| Pretax income | 354,000 | 768,000 | 1,123,000 | 1,273,000 |
| Income tax | 7,000 | 16,000 | 28,000 | 58,000 |
| Net income | 347,000 | 752,000 | 1,095,000 | 1,215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,432,000 | 6,702,000 | 6,910,000 | 6,813,000 |
| Total capital | 7,047,000 | 7,334,000 | 7,576,000 | 7,566,000 |
| Risk-weighted assets | 60,077,000 | 61,581,000 | 64,867,000 | 66,890,000 |