Call reports 2004
FIRST STATE BANK OF BIGGSVILLE — 2004
What FIRST STATE BANK OF BIGGSVILLE 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 | 17,199,000 | 16,472,000 | 16,058,000 | 16,293,000 |
| Total loans | 8,084,000 | 8,217,000 | 7,882,000 | 7,439,000 |
| Allowance for loan losses | 187,000 | 184,000 | 200,000 | 210,000 |
| Securities available for sale | 6,004,000 | 6,615,000 | 6,648,000 | 5,433,000 |
| Securities held to maturity | 660,000 | 659,000 | 657,000 | 156,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,571,000 | 13,946,000 | 13,485,000 | 13,791,000 |
| Interest-bearing deposits | 13,005,000 | 12,679,000 | 12,398,000 | 12,198,000 |
| Noninterest-bearing deposits | 1,566,000 | 1,267,000 | 1,087,000 | 1,593,000 |
| Equity capital | 2,569,000 | 2,425,000 | 2,510,000 | 2,454,000 |
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 | 213,000 | 418,000 | 617,000 | 817,000 |
| Interest expense | 59,000 | 115,000 | 167,000 | 219,000 |
| Net interest income | 154,000 | 303,000 | 450,000 | 598,000 |
| Noninterest income | 16,000 | 33,000 | 55,000 | 74,000 |
| Noninterest expense | 97,000 | 206,000 | 305,000 | 414,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 55,000 |
| Pretax income | 58,000 | 100,000 | 155,000 | 203,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 58,000 | 100,000 | 155,000 | 203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,398,000 | 2,400,000 | 2,426,000 | 2,415,000 |
| Total capital | 2,529,000 | 2,531,000 | 2,552,000 | 2,542,000 |
| Risk-weighted assets | 10,433,000 | 10,395,000 | 10,034,000 | 10,054,000 |