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 | 237,182,000 | 234,624,000 | 247,604,000 | 254,016,000 |
| Total loans | 112,970,000 | 117,824,000 | 122,872,000 | 129,296,000 |
| Allowance for loan losses | 1,705,000 | 1,728,000 | 1,693,000 | 1,716,000 |
| Securities available for sale | 89,502,000 | 84,461,000 | 86,827,000 | 88,974,000 |
| Securities held to maturity | 50,000 | 50,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,456,000 | 210,339,000 | 222,113,000 | 229,095,000 |
| Interest-bearing deposits | 148,892,000 | 147,125,000 | 155,336,000 | 158,022,000 |
| Noninterest-bearing deposits | 62,564,000 | 63,214,000 | 66,777,000 | 71,073,000 |
| Equity capital | 24,281,000 | 22,650,000 | 23,550,000 | 23,127,000 |
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 | 2,825,000 | 5,589,000 | 8,377,000 | 11,324,000 |
| Interest expense | 476,000 | 927,000 | 1,397,000 | 1,967,000 |
| Net interest income | 2,349,000 | 4,662,000 | 6,980,000 | 9,357,000 |
| Noninterest income | 937,000 | 1,623,000 | 2,605,000 | 3,375,000 |
| Noninterest expense | 2,466,000 | 4,861,000 | 7,415,000 | 10,095,000 |
| Provision for loan losses | 60,000 | 120,000 | 195,000 | 285,000 |
| Pretax income | 760,000 | 1,304,000 | 1,975,000 | 2,352,000 |
| Income tax | 0 | -118,000 | 0 | 0 |
| Net income | 760,000 | 1,422,000 | 1,975,000 | 2,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,587,000 | 20,920,000 | 21,091,000 | 21,296,000 |
| Total capital | 22,253,000 | 22,638,000 | 22,784,000 | 23,012,000 |
| Risk-weighted assets | 133,182,000 | 137,466,000 | 142,441,000 | 148,674,000 |