Call reports 2003
FIRST STATE BANK OF MURDOCK — 2003
What FIRST STATE BANK OF MURDOCK 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 | 8,316,000 | 8,187,000 | 7,911,000 | 7,855,000 |
| Total loans | 6,610,000 | 6,291,000 | 6,330,000 | 6,441,000 |
| Allowance for loan losses | 62,000 | 63,000 | 63,000 | 63,000 |
| Securities available for sale | 0 | 0 | 0 | 100,000 |
| Securities held to maturity | 22,000 | 22,000 | 22,000 | 22,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,400,000 | 7,251,000 | 7,010,000 | 6,978,000 |
| Interest-bearing deposits | 5,641,000 | 5,700,000 | 5,354,000 | 5,207,000 |
| Noninterest-bearing deposits | 1,759,000 | 1,551,000 | 1,656,000 | 1,771,000 |
| Equity capital | 877,000 | 905,000 | 870,000 | 852,000 |
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 | 136,000 | 271,000 | 407,000 | 538,000 |
| Interest expense | 23,000 | 44,000 | 61,000 | 75,000 |
| Net interest income | 113,000 | 227,000 | 346,000 | 463,000 |
| Noninterest income | 14,000 | 29,000 | 44,000 | 56,000 |
| Noninterest expense | 93,000 | 180,000 | 270,000 | 409,000 |
| Provision for loan losses | -6,000 | -7,000 | -8,000 | -9,000 |
| Pretax income | 40,000 | 83,000 | 128,000 | 119,000 |
| Income tax | 5,000 | 20,000 | 29,000 | 38,000 |
| Net income | 35,000 | 63,000 | 99,000 | 81,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 873,000 | 901,000 | 866,000 | 848,000 |
| Total capital | 935,000 | 964,000 | 929,000 | 911,000 |
| Risk-weighted assets | 5,744,000 | 5,600,000 | 5,865,000 | 5,676,000 |