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 | 77,827,000 | 80,000,000 | 85,397,000 | 87,060,000 |
| Total loans | 50,446,000 | 53,304,000 | 55,231,000 | 56,287,000 |
| Allowance for loan losses | 483,000 | 508,000 | 539,000 | 560,000 |
| Securities available for sale | 13,834,000 | 12,010,000 | 13,303,000 | 13,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,678,000 | 70,726,000 | 77,220,000 | 78,786,000 |
| Interest-bearing deposits | 56,282,000 | 57,768,000 | 62,924,000 | 63,429,000 |
| Noninterest-bearing deposits | 13,396,000 | 12,958,000 | 14,296,000 | 15,357,000 |
| Equity capital | 8,019,000 | 7,535,000 | 7,921,000 | 8,085,000 |
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 | 1,085,000 | 2,176,000 | 3,363,000 | 4,568,000 |
| Interest expense | 241,000 | 494,000 | 774,000 | 1,075,000 |
| Net interest income | 844,000 | 1,682,000 | 2,589,000 | 3,493,000 |
| Noninterest income | 214,000 | 445,000 | 687,000 | 917,000 |
| Noninterest expense | 659,000 | 1,282,000 | 1,898,000 | 2,543,000 |
| Provision for loan losses | 26,000 | 64,000 | 122,000 | 150,000 |
| Pretax income | 379,000 | 794,000 | 1,269,000 | 1,728,000 |
| Income tax | 0 | 0 | 41,000 | 47,000 |
| Net income | 379,000 | 794,000 | 1,228,000 | 1,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,956,000 | 7,921,000 | 8,020,000 | 8,318,000 |
| Total capital | 8,439,000 | 8,429,000 | 8,559,000 | 8,878,000 |
| Risk-weighted assets | 55,486,000 | 57,927,000 | 63,368,000 | 64,611,000 |
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