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 | 223,396,000 | 231,714,000 | 242,549,000 | 274,003,000 |
| Total loans | 187,646,000 | 198,832,000 | 211,790,000 | 227,122,000 |
| Allowance for loan losses | 2,363,000 | 2,482,000 | 2,647,000 | 2,727,000 |
| Securities available for sale | 17,933,000 | 15,340,000 | 15,561,000 | 16,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,006,000 | 209,826,000 | 205,262,000 | 212,679,000 |
| Interest-bearing deposits | 176,981,000 | 181,890,000 | 178,760,000 | 183,975,000 |
| Noninterest-bearing deposits | 25,025,000 | 27,936,000 | 26,502,000 | 28,704,000 |
| Equity capital | 17,250,000 | 17,503,000 | 18,187,000 | 41,603,000 |
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 | 3,223,000 | 6,587,000 | 10,150,000 | 14,038,000 |
| Interest expense | 1,122,000 | 2,291,000 | 3,483,000 | 4,787,000 |
| Net interest income | 2,101,000 | 4,296,000 | 6,667,000 | 9,251,000 |
| Noninterest income | 270,000 | 546,000 | 817,000 | 1,149,000 |
| Noninterest expense | 1,563,000 | 3,112,000 | 4,584,000 | 6,174,000 |
| Provision for loan losses | 80,000 | 191,000 | 475,000 | 786,000 |
| Pretax income | 728,000 | 1,539,000 | 2,425,000 | 3,440,000 |
| Income tax | 274,000 | 579,000 | 911,000 | 1,288,000 |
| Net income | 454,000 | 960,000 | 1,514,000 | 2,152,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,309,000 | 17,778,000 | 18,280,000 | 41,732,000 |
| Total capital | 19,672,000 | 20,260,000 | 20,927,000 | 44,459,000 |
| Risk-weighted assets | 191,359,000 | 202,168,000 | 214,363,000 | 232,023,000 |