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 | 32,966,000 | 34,501,000 | 36,661,000 | 35,385,000 |
| Total loans | 27,772,000 | 29,395,000 | 31,302,000 | 29,307,000 |
| Allowance for loan losses | 686,000 | 693,000 | 600,000 | 522,000 |
| Securities available for sale | 3,857,000 | 3,694,000 | 3,755,000 | 3,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,062,000 | 30,800,000 | 31,282,000 | 30,904,000 |
| Interest-bearing deposits | 26,474,000 | 27,587,000 | 28,103,000 | 27,503,000 |
| Noninterest-bearing deposits | 2,588,000 | 3,213,000 | 3,179,000 | 3,401,000 |
| Equity capital | 3,459,000 | 3,584,000 | 3,696,000 | 3,724,000 |
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 | 565,000 | 1,159,000 | 1,785,000 | 2,403,000 |
| Interest expense | 195,000 | 389,000 | 585,000 | 770,000 |
| Net interest income | 370,000 | 770,000 | 1,200,000 | 1,633,000 |
| Noninterest income | 70,000 | 121,000 | 167,000 | 232,000 |
| Noninterest expense | 199,000 | 399,000 | 592,000 | 798,000 |
| Provision for loan losses | 30,000 | 75,000 | 120,000 | 240,000 |
| Pretax income | 211,000 | 417,000 | 655,000 | 827,000 |
| Income tax | 2,000 | 4,000 | 5,000 | 8,000 |
| Net income | 209,000 | 413,000 | 650,000 | 819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,298,000 | 3,402,000 | 3,539,000 | 3,583,000 |
| Total capital | 3,654,000 | 3,778,000 | 3,941,000 | 3,966,000 |
| Risk-weighted assets | 28,134,000 | 29,723,000 | 31,993,000 | 29,977,000 |