Call reports 2004
FIRST STATE BANK OF RED BUD — 2004
What FIRST STATE BANK OF RED BUD 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 | 92,736,000 | 96,252,000 | 95,078,000 | 92,996,000 |
| Total loans | 36,023,000 | 37,683,000 | 42,690,000 | 44,620,000 |
| Allowance for loan losses | 661,000 | 703,000 | 682,000 | 780,000 |
| Securities available for sale | 46,848,000 | 46,520,000 | 41,461,000 | 39,596,000 |
| Securities held to maturity | 3,348,000 | 3,797,000 | 3,807,000 | 3,331,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,317,000 | 79,420,000 | 80,326,000 | 77,575,000 |
| Interest-bearing deposits | 70,068,000 | 70,680,000 | 71,130,000 | 67,229,000 |
| Noninterest-bearing deposits | 8,249,000 | 8,740,000 | 9,195,000 | 10,346,000 |
| Equity capital | 12,396,000 | 11,709,000 | 12,432,000 | 12,343,000 |
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 | 1,081,000 | 2,172,000 | 3,249,000 | 4,381,000 |
| Interest expense | 354,000 | 710,000 | 1,053,000 | 1,390,000 |
| Net interest income | 727,000 | 1,462,000 | 2,196,000 | 2,991,000 |
| Noninterest income | 85,000 | 150,000 | 204,000 | 266,000 |
| Noninterest expense | 438,000 | 922,000 | 1,394,000 | 1,891,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 387,000 | 695,000 | 1,033,000 | 1,393,000 |
| Income tax | 63,000 | 126,000 | 189,000 | 329,000 |
| Net income | 324,000 | 569,000 | 844,000 | 1,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,938,000 | 12,043,000 | 12,319,000 | 12,293,000 |
| Total capital | 12,496,000 | 12,639,000 | 12,947,000 | 12,927,000 |
| Risk-weighted assets | 44,518,000 | 47,564,000 | 50,165,000 | 50,594,000 |