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 | 36,105,000 | 38,491,000 | 41,415,000 | 40,710,000 |
| Total loans | 30,046,000 | 33,002,000 | 35,660,000 | 35,206,000 |
| Allowance for loan losses | 567,000 | 459,000 | 500,000 | 502,000 |
| Securities available for sale | 3,811,000 | 3,722,000 | 3,782,000 | 3,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,089,000 | 31,654,000 | 34,356,000 | 34,032,000 |
| Interest-bearing deposits | 28,850,000 | 28,775,000 | 31,619,000 | 30,107,000 |
| Noninterest-bearing deposits | 3,239,000 | 2,879,000 | 2,736,000 | 3,925,000 |
| Equity capital | 3,893,000 | 3,840,000 | 4,036,000 | 4,034,000 |
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 | 599,000 | 1,213,000 | 1,876,000 | 2,545,000 |
| Interest expense | 172,000 | 348,000 | 537,000 | 735,000 |
| Net interest income | 427,000 | 865,000 | 1,339,000 | 1,810,000 |
| Noninterest income | 83,000 | 133,000 | 184,000 | 242,000 |
| Noninterest expense | 201,000 | 448,000 | 675,000 | 1,001,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 195,000 |
| Pretax income | 264,000 | 460,000 | 713,000 | 856,000 |
| Income tax | 3,000 | 6,000 | 9,000 | 15,000 |
| Net income | 261,000 | 454,000 | 704,000 | 841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,724,000 | 3,796,000 | 3,927,000 | 3,940,000 |
| Total capital | 4,114,000 | 4,220,000 | 4,386,000 | 4,398,000 |
| Risk-weighted assets | 31,004,000 | 33,871,000 | 36,680,000 | 36,620,000 |