Call reports 2003
FIRST STATE BANK OF TEXAS — 2003
What FIRST STATE BANK OF TEXAS 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 | 74,811,000 | 72,938,000 | 71,239,000 | 72,232,000 |
| Total loans | 26,903,000 | 25,282,000 | 24,719,000 | 24,477,000 |
| Allowance for loan losses | 466,000 | 444,000 | 416,000 | 318,000 |
| Securities available for sale | 28,312,000 | 33,009,000 | 28,791,000 | 27,369,000 |
| Securities held to maturity | 3,692,000 | 3,684,000 | 3,676,000 | 3,668,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,038,000 | 58,238,000 | 56,933,000 | 58,389,000 |
| Interest-bearing deposits | 50,746,000 | 48,699,000 | 45,670,000 | 47,523,000 |
| Noninterest-bearing deposits | 9,292,000 | 9,539,000 | 11,263,000 | 10,866,000 |
| Equity capital | 14,293,000 | 14,198,000 | 13,878,000 | 13,618,000 |
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 | 891,000 | 1,734,000 | 2,505,000 | 3,257,000 |
| Interest expense | 247,000 | 468,000 | 662,000 | 842,000 |
| Net interest income | 644,000 | 1,266,000 | 1,843,000 | 2,415,000 |
| Noninterest income | 120,000 | 244,000 | 358,000 | 465,000 |
| Noninterest expense | 523,000 | 1,051,000 | 1,539,000 | 2,095,000 |
| Provision for loan losses | 18,000 | 10,000 | -1,000 | 65,000 |
| Pretax income | 223,000 | 449,000 | 663,000 | 720,000 |
| Income tax | 62,000 | 125,000 | 184,000 | 189,000 |
| Net income | 161,000 | 324,000 | 479,000 | 531,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,781,000 | 13,764,000 | 13,679,000 | 13,491,000 |
| Total capital | 14,190,000 | 14,153,000 | 14,058,000 | 13,809,000 |
| Risk-weighted assets | 32,700,000 | 31,074,000 | 30,249,000 | 30,268,000 |