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 | 110,075,000 | 104,255,000 | 99,939,000 | 98,452,000 |
| Total loans | 63,742,000 | 63,516,000 | 60,461,000 | 61,205,000 |
| Allowance for loan losses | 3,618,000 | 3,676,000 | 3,471,000 | 3,291,000 |
| Securities available for sale | 16,532,000 | 19,834,000 | 19,170,000 | 16,018,000 |
| Securities held to maturity | 12,120,000 | 12,473,000 | 12,057,000 | 13,815,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,211,000 | 91,439,000 | 86,654,000 | 85,752,000 |
| Interest-bearing deposits | 71,083,000 | 68,248,000 | 62,925,000 | 71,781,000 |
| Noninterest-bearing deposits | 26,128,000 | 23,191,000 | 23,729,000 | 13,971,000 |
| Equity capital | 12,509,000 | 12,497,000 | 12,773,000 | 12,562,000 |
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 | 1,549,000 | 3,027,000 | 4,442,000 | 5,725,000 |
| Interest expense | 406,000 | 779,000 | 1,124,000 | 1,457,000 |
| Net interest income | 1,143,000 | 2,248,000 | 3,318,000 | 4,268,000 |
| Noninterest income | 303,000 | 533,000 | 837,000 | 1,068,000 |
| Noninterest expense | 1,001,000 | 2,015,000 | 3,094,000 | 4,088,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 325,000 | 526,000 | 701,000 | 768,000 |
| Income tax | 72,000 | 84,000 | 119,000 | 158,000 |
| Net income | 253,000 | 442,000 | 582,000 | 610,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,471,000 | 11,421,000 | 11,510,000 | 11,368,000 |
| Total capital | 12,353,000 | 12,293,000 | 12,360,000 | 12,215,000 |
| Risk-weighted assets | 68,291,000 | 66,999,000 | 65,400,000 | 65,339,000 |