Call reports 2004
FIRST STATE BANK OF HARVEY — 2004
What FIRST STATE BANK OF HARVEY 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 | 64,423,000 | 61,862,000 | 61,662,000 | 59,040,000 |
| Total loans | 24,990,000 | 27,366,000 | 28,134,000 | 26,674,000 |
| Allowance for loan losses | 430,000 | 469,000 | 393,000 | 414,000 |
| Securities available for sale | 31,496,000 | 29,681,000 | 28,558,000 | 26,910,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,352,000 | 55,380,000 | 52,761,000 | 52,582,000 |
| Interest-bearing deposits | 48,912,000 | 47,425,000 | 46,108,000 | 46,276,000 |
| Noninterest-bearing deposits | 8,440,000 | 7,955,000 | 6,653,000 | 6,306,000 |
| Equity capital | 6,658,000 | 6,014,000 | 6,450,000 | 6,095,000 |
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 | 749,000 | 1,472,000 | 2,223,000 | 2,963,000 |
| Interest expense | 238,000 | 461,000 | 682,000 | 898,000 |
| Net interest income | 511,000 | 1,011,000 | 1,541,000 | 2,065,000 |
| Noninterest income | 42,000 | 88,000 | 133,000 | 174,000 |
| Noninterest expense | 308,000 | 620,000 | 919,000 | 1,211,000 |
| Provision for loan losses | 18,000 | 84,000 | 132,000 | 180,000 |
| Pretax income | 227,000 | 395,000 | 643,000 | 868,000 |
| Income tax | 15,000 | 29,000 | 44,000 | 55,000 |
| Net income | 212,000 | 366,000 | 599,000 | 813,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,288,000 | 6,295,000 | 6,382,000 | 6,162,000 |
| Total capital | 6,718,000 | 6,750,000 | 6,775,000 | 6,576,000 |
| Risk-weighted assets | 34,998,000 | 36,383,000 | 36,812,000 | 35,105,000 |