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 | 60,976,000 | 59,109,000 | 57,465,000 | 57,304,000 |
| Total loans | 21,721,000 | 21,582,000 | 20,086,000 | 19,939,000 |
| Allowance for loan losses | 350,000 | 350,000 | 350,000 | 350,000 |
| Securities available for sale | 17,732,000 | 17,029,000 | 15,962,000 | 16,484,000 |
| Securities held to maturity | 1,734,000 | 1,567,000 | 2,198,000 | 2,063,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,117,000 | 53,044,000 | 51,505,000 | 51,456,000 |
| Interest-bearing deposits | 44,093,000 | 41,897,000 | 43,214,000 | 41,946,000 |
| Noninterest-bearing deposits | 11,024,000 | 11,147,000 | 8,291,000 | 9,510,000 |
| Equity capital | 5,469,000 | 5,611,000 | 5,559,000 | 5,487,000 |
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 | 758,000 | 1,497,000 | 2,174,000 | 2,844,000 |
| Interest expense | 237,000 | 456,000 | 653,000 | 838,000 |
| Net interest income | 521,000 | 1,041,000 | 1,521,000 | 2,006,000 |
| Noninterest income | 219,000 | 373,000 | 526,000 | 718,000 |
| Noninterest expense | 457,000 | 973,000 | 1,483,000 | 2,154,000 |
| Provision for loan losses | 217,000 | 290,000 | 312,000 | 355,000 |
| Pretax income | 69,000 | 154,000 | 255,000 | 218,000 |
| Income tax | 12,000 | 43,000 | 71,000 | 9,000 |
| Net income | 57,000 | 111,000 | 184,000 | 217,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,208,000 | 5,262,000 | 5,335,000 | 5,290,000 |
| Total capital | 5,558,000 | 5,612,000 | 5,672,000 | 5,640,000 |
| Risk-weighted assets | 29,065,000 | 28,605,000 | 26,848,000 | 28,883,000 |