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 | 124,666,000 | 120,226,000 | 115,814,000 | 110,023,000 |
| Total loans | 81,143,000 | 77,388,000 | 72,774,000 | 67,561,000 |
| Allowance for loan losses | 4,180,000 | 4,245,000 | 3,643,000 | 3,970,000 |
| Securities available for sale | 11,508,000 | 16,107,000 | 15,712,000 | 20,766,000 |
| Securities held to maturity | 14,463,000 | 15,612,000 | 14,881,000 | 12,448,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,451,000 | 106,843,000 | 102,164,000 | 97,492,000 |
| Interest-bearing deposits | 97,493,000 | 93,689,000 | 78,044,000 | 74,217,000 |
| Noninterest-bearing deposits | 13,958,000 | 13,154,000 | 24,120,000 | 23,275,000 |
| Equity capital | 12,579,000 | 12,766,000 | 13,011,000 | 12,117,000 |
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 | 1,814,000 | 3,527,000 | 5,208,000 | 6,895,000 |
| Interest expense | 636,000 | 1,215,000 | 1,720,000 | 2,193,000 |
| Net interest income | 1,178,000 | 2,312,000 | 3,488,000 | 4,702,000 |
| Noninterest income | 288,000 | 565,000 | 801,000 | 953,000 |
| Noninterest expense | 1,011,000 | 2,031,000 | 3,236,000 | 4,242,000 |
| Provision for loan losses | 40,000 | 100,000 | 160,000 | 1,397,000 |
| Pretax income | 415,000 | 746,000 | 886,000 | 14,000 |
| Income tax | 140,000 | 279,000 | 60,000 | -124,000 |
| Net income | 275,000 | 467,000 | 826,000 | 138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,373,000 | 12,566,000 | 12,924,000 | 11,168,000 |
| Total capital | 13,460,000 | 13,586,000 | 13,884,000 | 12,088,000 |
| Risk-weighted assets | 84,020,000 | 78,391,000 | 74,342,000 | 70,563,000 |