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 | 215,971,000 | 213,236,000 | 227,068,000 | 226,916,000 |
| Total loans | 150,884,000 | 159,107,000 | 158,166,000 | 152,948,000 |
| Allowance for loan losses | 1,966,000 | 2,073,000 | 2,110,000 | 2,001,000 |
| Securities available for sale | 394,000 | 391,000 | 394,000 | 391,000 |
| Securities held to maturity | 36,988,000 | 43,231,000 | 39,890,000 | 50,020,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,100,000 | 175,769,000 | 187,599,000 | 186,710,000 |
| Interest-bearing deposits | 156,790,000 | 155,158,000 | 166,901,000 | 164,570,000 |
| Noninterest-bearing deposits | 21,310,000 | 20,611,000 | 20,698,000 | 22,140,000 |
| Equity capital | 21,621,000 | 21,192,000 | 21,846,000 | 22,393,000 |
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 | 2,822,000 | 5,629,000 | 8,624,000 | 11,827,000 |
| Interest expense | 745,000 | 1,499,000 | 2,334,000 | 3,229,000 |
| Net interest income | 2,077,000 | 4,130,000 | 6,290,000 | 8,598,000 |
| Noninterest income | 273,000 | 539,000 | 854,000 | 1,172,000 |
| Noninterest expense | 1,357,000 | 2,631,000 | 3,919,000 | 5,250,000 |
| Provision for loan losses | 107,000 | 214,000 | 251,000 | 275,000 |
| Pretax income | 891,000 | 1,829,000 | 2,979,000 | 4,250,000 |
| Income tax | 296,000 | 604,000 | 1,001,000 | 1,454,000 |
| Net income | 595,000 | 1,225,000 | 1,978,000 | 2,796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,925,000 | 20,497,000 | 21,150,000 | 21,699,000 |
| Total capital | 22,818,000 | 22,452,000 | 23,140,000 | 23,666,000 |
| Risk-weighted assets | 151,212,000 | 156,076,000 | 159,056,000 | 157,320,000 |