Call reports 2004
FIRST STATE COMMUNITY BANK — 2004
What FIRST STATE COMMUNITY 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 | 523,250,000 | 533,980,000 | 561,349,000 | 561,024,000 |
| Total loans | 392,050,000 | 404,909,000 | 433,800,000 | 443,774,000 |
| Allowance for loan losses | 5,113,000 | 4,831,000 | 5,093,000 | 5,451,000 |
| Securities available for sale | 83,119,000 | 75,549,000 | 75,262,000 | 67,314,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 425,699,000 | 441,913,000 | 460,845,000 | 454,522,000 |
| Interest-bearing deposits | 364,984,000 | 377,731,000 | 393,741,000 | 382,818,000 |
| Noninterest-bearing deposits | 60,715,000 | 64,182,000 | 67,104,000 | 71,704,000 |
| Equity capital | 51,719,000 | 52,737,000 | 55,047,000 | 54,930,000 |
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 | 6,351,000 | 12,792,000 | 19,619,000 | 26,675,000 |
| Interest expense | 1,939,000 | 3,876,000 | 5,955,000 | 8,124,000 |
| Net interest income | 4,412,000 | 8,916,000 | 13,664,000 | 18,551,000 |
| Noninterest income | 1,609,000 | 3,174,000 | 4,938,000 | 6,676,000 |
| Noninterest expense | 3,108,000 | 6,320,000 | 9,693,000 | 13,055,000 |
| Provision for loan losses | 102,000 | 324,000 | 576,000 | 1,228,000 |
| Pretax income | 2,811,000 | 5,455,000 | 8,337,000 | 10,949,000 |
| Income tax | 943,000 | 1,827,000 | 2,808,000 | 3,634,000 |
| Net income | 1,868,000 | 3,628,000 | 5,529,000 | 7,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,191,000 | 45,667,000 | 47,924,000 | 47,720,000 |
| Total capital | 48,765,000 | 50,422,000 | 53,012,000 | 52,886,000 |
| Risk-weighted assets | 365,355,000 | 380,345,000 | 407,063,000 | 412,987,000 |