Call reports 2003
FIRST STATE BANK OF ST. ROBERT — 2003
What FIRST STATE BANK OF ST. ROBERT 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 | 54,854,000 | 57,550,000 | 58,875,000 | 59,224,000 |
| Total loans | 34,650,000 | 37,942,000 | 41,576,000 | 42,931,000 |
| Allowance for loan losses | 443,000 | 449,000 | 470,000 | 478,000 |
| Securities available for sale | 9,664,000 | 9,815,000 | 9,312,000 | 9,305,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,570,000 | 51,144,000 | 52,415,000 | 52,675,000 |
| Interest-bearing deposits | 44,958,000 | 45,515,000 | 46,141,000 | 46,218,000 |
| Noninterest-bearing deposits | 5,612,000 | 5,629,000 | 6,274,000 | 6,457,000 |
| Equity capital | 4,106,000 | 4,255,000 | 4,313,000 | 4,454,000 |
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 | 809,000 | 1,654,000 | 2,545,000 | 3,476,000 |
| Interest expense | 319,000 | 621,000 | 908,000 | 1,178,000 |
| Net interest income | 490,000 | 1,033,000 | 1,637,000 | 2,298,000 |
| Noninterest income | 124,000 | 245,000 | 351,000 | 461,000 |
| Noninterest expense | 452,000 | 891,000 | 1,370,000 | 1,930,000 |
| Provision for loan losses | 22,000 | 58,000 | 105,000 | 110,000 |
| Pretax income | 154,000 | 346,000 | 530,000 | 736,000 |
| Income tax | 53,000 | 121,000 | 170,000 | 244,000 |
| Net income | 101,000 | 225,000 | 360,000 | 492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,953,000 | 4,126,000 | 4,239,000 | 4,367,000 |
| Total capital | 4,396,000 | 4,575,000 | 4,709,000 | 4,845,000 |
| Risk-weighted assets | 36,012,000 | 37,695,000 | 39,028,000 | 39,284,000 |