Call reports 2004
FIRST STATE BANK OF MATADOR — 2004
What FIRST STATE BANK OF MATADOR 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 | 11,891,000 | 11,229,000 | 11,545,000 | 12,206,000 |
| Total loans | 2,574,000 | 2,892,000 | 3,050,000 | 3,020,000 |
| Allowance for loan losses | 102,000 | 102,000 | 102,000 | 102,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,555,000 | 7,555,000 | 7,555,000 | 8,055,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,643,000 | 9,958,000 | 10,244,000 | 10,862,000 |
| Interest-bearing deposits | 3,324,000 | 2,851,000 | 2,487,000 | 3,298,000 |
| Noninterest-bearing deposits | 7,319,000 | 7,107,000 | 7,757,000 | 7,564,000 |
| Equity capital | 1,225,000 | 1,252,000 | 1,282,000 | 1,300,000 |
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 | 118,000 | 226,000 | 349,000 | 470,000 |
| Interest expense | 11,000 | 21,000 | 31,000 | 42,000 |
| Net interest income | 107,000 | 205,000 | 318,000 | 428,000 |
| Noninterest income | 17,000 | 37,000 | 56,000 | 74,000 |
| Noninterest expense | 94,000 | 180,000 | 268,000 | 363,000 |
| Provision for loan losses | 0 | 0 | 0 | -21,000 |
| Pretax income | 30,000 | 62,000 | 106,000 | 160,000 |
| Income tax | 5,000 | 10,000 | 24,000 | 60,000 |
| Net income | 25,000 | 52,000 | 82,000 | 100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,225,000 | 1,252,000 | 1,282,000 | 1,300,000 |
| Total capital | 1,285,000 | 1,313,000 | 1,346,000 | 1,365,000 |
| Risk-weighted assets | 4,753,000 | 4,835,000 | 5,063,000 | 5,160,000 |