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 | 655,260,000 | 669,738,000 | 699,556,000 | 721,730,000 |
| Total loans | 474,712,000 | 495,705,000 | 522,477,000 | 547,497,000 |
| Allowance for loan losses | 5,587,000 | 5,513,000 | 5,230,000 | 5,368,000 |
| Securities available for sale | 121,249,000 | 118,928,000 | 116,238,000 | 111,150,000 |
| Securities held to maturity | 305,000 | 305,000 | 305,000 | 302,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 561,197,000 | 571,808,000 | 596,786,000 | 610,418,000 |
| Interest-bearing deposits | 518,898,000 | 528,413,000 | 545,986,000 | 560,427,000 |
| Noninterest-bearing deposits | 42,299,000 | 43,395,000 | 50,800,000 | 49,991,000 |
| Equity capital | 54,746,000 | 54,351,000 | 56,992,000 | 57,543,000 |
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 | 9,023,000 | 18,388,000 | 28,159,000 | 38,427,000 |
| Interest expense | 2,705,000 | 5,479,000 | 8,364,000 | 11,450,000 |
| Net interest income | 6,318,000 | 12,909,000 | 19,795,000 | 26,977,000 |
| Noninterest income | 1,500,000 | 2,771,000 | 4,119,000 | 5,581,000 |
| Noninterest expense | 6,092,000 | 12,106,000 | 18,056,000 | 24,255,000 |
| Provision for loan losses | 25,000 | 83,000 | 262,000 | 564,000 |
| Pretax income | 1,701,000 | 3,491,000 | 5,596,000 | 7,775,000 |
| Income tax | 476,000 | 1,004,000 | 1,555,000 | 2,241,000 |
| Net income | 1,225,000 | 2,487,000 | 4,041,000 | 5,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,689,000 | 54,952,000 | 56,505,000 | 57,499,000 |
| Total capital | 59,276,000 | 60,465,000 | 61,735,000 | 62,867,000 |
| Risk-weighted assets | 509,254,000 | 528,015,000 | 554,474,000 | 585,414,000 |