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 | 71,630,000 | 73,380,000 | 76,794,000 | 78,797,000 |
| Total loans | 35,181,000 | 36,235,000 | 38,097,000 | 41,147,000 |
| Allowance for loan losses | 414,000 | 420,000 | 351,000 | 431,000 |
| Securities available for sale | 32,367,000 | 33,525,000 | 33,836,000 | 34,342,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,588,000 | 64,518,000 | 65,332,000 | 65,927,000 |
| Interest-bearing deposits | 56,736,000 | 59,501,000 | 60,000,000 | 60,531,000 |
| Noninterest-bearing deposits | 4,852,000 | 5,017,000 | 5,332,000 | 5,396,000 |
| Equity capital | 6,730,000 | 6,292,000 | 6,692,000 | 6,633,000 |
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 | 814,000 | 1,679,000 | 2,569,000 | 3,518,000 |
| Interest expense | 282,000 | 572,000 | 879,000 | 1,213,000 |
| Net interest income | 532,000 | 1,107,000 | 1,690,000 | 2,305,000 |
| Noninterest income | 48,000 | 103,000 | 155,000 | 201,000 |
| Noninterest expense | 293,000 | 561,000 | 846,000 | 1,181,000 |
| Provision for loan losses | 12,000 | 74,000 | 86,000 | 148,000 |
| Pretax income | 305,000 | 605,000 | 964,000 | 1,233,000 |
| Income tax | 88,000 | 174,000 | 281,000 | 361,000 |
| Net income | 217,000 | 431,000 | 683,000 | 872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,229,000 | 6,367,000 | 6,520,000 | 6,608,000 |
| Total capital | 6,643,000 | 6,787,000 | 6,871,000 | 7,039,000 |
| Risk-weighted assets | 40,360,000 | 41,299,000 | 44,381,000 | 48,036,000 |