Call reports 2003
FIRST AMERICAN STATE BANK — 2003
What FIRST AMERICAN STATE BANK 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 | 116,651,000 | 120,344,000 | 122,134,000 | 122,668,000 |
| Total loans | 59,963,000 | 64,143,000 | 64,424,000 | 65,290,000 |
| Allowance for loan losses | 619,000 | 691,000 | 685,000 | 685,000 |
| Securities available for sale | 21,814,000 | 27,839,000 | 30,632,000 | 41,734,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,389,000 | 113,288,000 | 115,356,000 | 115,403,000 |
| Interest-bearing deposits | 102,639,000 | 105,701,000 | 106,979,000 | 106,834,000 |
| Noninterest-bearing deposits | 7,750,000 | 7,587,000 | 8,377,000 | 8,569,000 |
| Equity capital | 6,039,000 | 6,664,000 | 6,570,000 | 7,020,000 |
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 | 1,430,000 | 2,965,000 | 4,512,000 | 6,143,000 |
| Interest expense | 476,000 | 972,000 | 1,486,000 | 2,017,000 |
| Net interest income | 954,000 | 1,993,000 | 3,026,000 | 4,126,000 |
| Noninterest income | 36,000 | 80,000 | 115,000 | 157,000 |
| Noninterest expense | 613,000 | 1,232,000 | 1,893,000 | 2,760,000 |
| Provision for loan losses | 3,000 | 75,000 | 76,000 | 76,000 |
| Pretax income | 379,000 | 775,000 | 1,194,000 | 1,469,000 |
| Income tax | 112,000 | 219,000 | 324,000 | 354,000 |
| Net income | 267,000 | 556,000 | 870,000 | 1,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,811,000 | 6,072,000 | 6,459,000 | 6,729,000 |
| Total capital | 6,430,000 | 6,763,000 | 7,144,000 | 7,414,000 |
| Risk-weighted assets | 63,852,000 | 67,364,000 | 69,178,000 | 69,052,000 |
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