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 | 131,885,000 | 143,400,000 | 146,502,000 | 154,652,000 |
| Total loans | 100,398,000 | 110,691,000 | 112,426,000 | 113,448,000 |
| Allowance for loan losses | 1,140,000 | 1,161,000 | 1,222,000 | 1,272,000 |
| Securities available for sale | 18,018,000 | 18,760,000 | 19,412,000 | 24,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,445,000 | 118,586,000 | 123,999,000 | 134,070,000 |
| Interest-bearing deposits | 104,834,000 | 104,858,000 | 112,185,000 | 119,084,000 |
| Noninterest-bearing deposits | 11,611,000 | 13,728,000 | 11,814,000 | 14,986,000 |
| Equity capital | 10,242,000 | 10,413,000 | 10,955,000 | 11,326,000 |
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 | 1,830,000 | 3,701,000 | 5,706,000 | 7,834,000 |
| Interest expense | 537,000 | 1,080,000 | 1,673,000 | 2,299,000 |
| Net interest income | 1,293,000 | 2,621,000 | 4,033,000 | 5,535,000 |
| Noninterest income | 124,000 | 271,000 | 418,000 | 550,000 |
| Noninterest expense | 747,000 | 1,504,000 | 2,314,000 | 3,162,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 610,000 | 1,268,000 | 1,957,000 | 2,683,000 |
| Income tax | 170,000 | 441,000 | 716,000 | 906,000 |
| Net income | 440,000 | 827,000 | 1,241,000 | 1,777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,163,000 | 10,551,000 | 10,945,000 | 11,251,000 |
| Total capital | 11,303,000 | 11,712,000 | 12,167,000 | 12,523,000 |
| Risk-weighted assets | 99,926,000 | 111,022,000 | 113,949,000 | 115,700,000 |