Call reports 2004
FIRST STATE BANK OF ASHBY — 2004
What FIRST STATE BANK OF ASHBY 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 | 24,803,000 | 24,808,000 | 24,921,000 | 25,287,000 |
| Total loans | 14,072,000 | 13,879,000 | 14,850,000 | 14,827,000 |
| Allowance for loan losses | 173,000 | 173,000 | 173,000 | 169,000 |
| Securities available for sale | 5,824,000 | 6,272,000 | 6,187,000 | 6,018,000 |
| Securities held to maturity | 149,000 | 357,000 | 358,000 | 357,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,909,000 | 22,930,000 | 22,913,000 | 23,282,000 |
| Interest-bearing deposits | 20,247,000 | 20,417,000 | 20,218,000 | 20,467,000 |
| Noninterest-bearing deposits | 2,662,000 | 2,513,000 | 2,695,000 | 2,815,000 |
| Equity capital | 1,838,000 | 1,831,000 | 1,958,000 | 1,960,000 |
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 | 314,000 | 624,000 | 941,000 | 1,271,000 |
| Interest expense | 114,000 | 218,000 | 320,000 | 424,000 |
| Net interest income | 200,000 | 406,000 | 621,000 | 847,000 |
| Noninterest income | 29,000 | 100,000 | 126,000 | 163,000 |
| Noninterest expense | 130,000 | 268,000 | 405,000 | 581,000 |
| Provision for loan losses | 0 | 0 | 0 | 4,000 |
| Pretax income | 99,000 | 238,000 | 342,000 | 425,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 99,000 | 238,000 | 342,000 | 425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,785,000 | 1,862,000 | 1,917,000 | 1,957,000 |
| Total capital | 1,958,000 | 2,052,000 | 2,108,000 | 2,144,000 |
| Risk-weighted assets | 14,485,000 | 14,701,000 | 15,451,000 | 15,486,000 |