Call reports 2003
FIRST STATE BANK — 2003
What FIRST 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 | 59,019,000 | 61,306,000 | 64,352,000 | 68,108,000 |
| Total loans | 28,301,000 | 30,650,000 | 30,897,000 | 33,574,000 |
| Allowance for loan losses | 361,000 | 399,000 | 414,000 | 400,000 |
| Securities available for sale | 26,765,000 | 27,973,000 | 27,697,000 | 30,622,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,736,000 | 52,707,000 | 55,758,000 | 59,101,000 |
| Interest-bearing deposits | 46,835,000 | 49,033,000 | 51,216,000 | 53,930,000 |
| Noninterest-bearing deposits | 3,901,000 | 3,674,000 | 4,542,000 | 5,171,000 |
| Equity capital | 6,081,000 | 6,394,000 | 6,192,000 | 6,312,000 |
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 | 705,000 | 1,485,000 | 2,221,000 | 3,000,000 |
| Interest expense | 294,000 | 590,000 | 883,000 | 1,178,000 |
| Net interest income | 411,000 | 895,000 | 1,338,000 | 1,822,000 |
| Noninterest income | -25,000 | 28,000 | 61,000 | 118,000 |
| Noninterest expense | 240,000 | 487,000 | 764,000 | 1,044,000 |
| Provision for loan losses | 6,000 | 42,000 | 54,000 | 75,000 |
| Pretax income | 140,000 | 414,000 | 624,000 | 868,000 |
| Income tax | 33,000 | 118,000 | 179,000 | 250,000 |
| Net income | 107,000 | 296,000 | 445,000 | 618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,689,000 | 5,790,000 | 5,839,000 | 6,011,000 |
| Total capital | 6,050,000 | 6,189,000 | 6,253,000 | 6,411,000 |
| Risk-weighted assets | 32,550,000 | 35,175,000 | 36,359,000 | 36,022,000 |