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 | 61,935,000 | 60,255,000 | 60,484,000 | 57,679,000 |
| Total loans | 20,866,000 | 20,621,000 | 20,681,000 | 20,104,000 |
| Allowance for loan losses | 360,000 | 313,000 | 258,000 | 350,000 |
| Securities available for sale | 18,017,000 | 20,869,000 | 20,338,000 | 19,935,000 |
| Securities held to maturity | 3,094,000 | 1,449,000 | 1,299,000 | 1,274,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,916,000 | 54,530,000 | 54,367,000 | 51,942,000 |
| Interest-bearing deposits | 45,468,000 | 43,878,000 | 43,513,000 | 40,975,000 |
| Noninterest-bearing deposits | 10,448,000 | 10,652,000 | 10,854,000 | 10,967,000 |
| Equity capital | 5,641,000 | 5,465,000 | 5,704,000 | 5,467,000 |
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 | 722,000 | 1,422,000 | 2,115,000 | 2,813,000 |
| Interest expense | 178,000 | 348,000 | 511,000 | 672,000 |
| Net interest income | 544,000 | 1,074,000 | 1,604,000 | 2,141,000 |
| Noninterest income | 161,000 | 345,000 | 516,000 | 701,000 |
| Noninterest expense | 441,000 | 943,000 | 1,461,000 | 2,202,000 |
| Provision for loan losses | 45,000 | 90,000 | 150,000 | 350,000 |
| Pretax income | 219,000 | 386,000 | 509,000 | 290,000 |
| Income tax | 85,000 | 131,000 | 199,000 | 114,000 |
| Net income | 134,000 | 255,000 | 310,000 | 176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,424,000 | 5,545,000 | 5,611,000 | 5,447,000 |
| Total capital | 5,784,000 | 5,858,000 | 5,869,000 | 5,797,000 |
| Risk-weighted assets | 37,997,000 | 38,027,000 | 38,785,000 | 37,689,000 |