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 | 179,565,000 | 177,862,000 | 186,620,000 | 201,095,000 |
| Total loans | 125,119,000 | 137,986,000 | 141,119,000 | 142,980,000 |
| Allowance for loan losses | 1,689,000 | 1,797,000 | 1,841,000 | 1,858,000 |
| Securities available for sale | 1,698,000 | 1,421,000 | 797,000 | 748,000 |
| Securities held to maturity | 28,425,000 | 29,201,000 | 27,196,000 | 26,588,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,343,000 | 156,037,000 | 159,294,000 | 164,742,000 |
| Interest-bearing deposits | 137,761,000 | 137,760,000 | 141,362,000 | 145,332,000 |
| Noninterest-bearing deposits | 20,582,000 | 18,277,000 | 17,932,000 | 19,410,000 |
| Equity capital | 15,612,000 | 16,158,000 | 16,796,000 | 21,128,000 |
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 | 2,525,000 | 5,207,000 | 7,734,000 | 10,403,000 |
| Interest expense | 775,000 | 1,497,000 | 2,162,000 | 2,891,000 |
| Net interest income | 1,750,000 | 3,710,000 | 5,572,000 | 7,512,000 |
| Noninterest income | 159,000 | 328,000 | 707,000 | 978,000 |
| Noninterest expense | 1,181,000 | 2,389,000 | 3,642,000 | 4,901,000 |
| Provision for loan losses | 0 | 113,000 | 160,000 | 173,000 |
| Pretax income | 728,000 | 1,536,000 | 2,493,000 | 3,432,000 |
| Income tax | 228,000 | 484,000 | 802,000 | 1,114,000 |
| Net income | 500,000 | 1,052,000 | 1,691,000 | 2,318,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,901,000 | 15,453,000 | 16,093,000 | 20,429,000 |
| Total capital | 16,408,000 | 17,098,000 | 17,818,000 | 22,227,000 |
| Risk-weighted assets | 120,410,000 | 131,463,000 | 137,846,000 | 143,559,000 |