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 | 167,502,000 | 186,073,000 | 195,536,000 | 212,128,000 |
| Total loans | 135,515,000 | 150,687,000 | 160,830,000 | 182,037,000 |
| Allowance for loan losses | 1,587,000 | 1,438,000 | 2,073,000 | 2,275,000 |
| Securities available for sale | 13,999,000 | 18,844,000 | 21,457,000 | 20,221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,027,000 | 170,176,000 | 168,543,000 | 184,778,000 |
| Interest-bearing deposits | 132,231,000 | 151,640,000 | 149,404,000 | 165,136,000 |
| Noninterest-bearing deposits | 19,796,000 | 18,536,000 | 19,139,000 | 19,642,000 |
| Equity capital | 11,622,000 | 11,922,000 | 14,423,000 | 14,875,000 |
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 | 2,331,000 | 4,973,000 | 7,868,000 | 11,011,000 |
| Interest expense | 928,000 | 1,998,000 | 3,027,000 | 4,073,000 |
| Net interest income | 1,403,000 | 2,975,000 | 4,841,000 | 6,938,000 |
| Noninterest income | 242,000 | 477,000 | 636,000 | 888,000 |
| Noninterest expense | 1,264,000 | 2,595,000 | 3,986,000 | 5,398,000 |
| Provision for loan losses | 36,000 | 36,000 | 696,000 | 1,050,000 |
| Pretax income | 345,000 | 821,000 | 795,000 | 1,378,000 |
| Income tax | 130,000 | 309,000 | 299,000 | 518,000 |
| Net income | 215,000 | 512,000 | 496,000 | 860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,527,000 | 11,824,000 | 14,608,000 | 14,995,000 |
| Total capital | 13,114,000 | 13,262,000 | 16,669,000 | 17,270,000 |
| Risk-weighted assets | 140,610,000 | 154,595,000 | 164,850,000 | 184,999,000 |