Call reports 2004
FIRST STATE BANK OF MURDOCK — 2004
What FIRST STATE BANK OF MURDOCK 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 | 7,995,000 | 8,052,000 | 7,853,000 | 8,400,000 |
| Total loans | 6,098,000 | 6,516,000 | 6,397,000 | 6,526,000 |
| Allowance for loan losses | 64,000 | 69,000 | 62,000 | 63,000 |
| Securities available for sale | 0 | 100,000 | 0 | 0 |
| Securities held to maturity | 2,000 | 2,000 | 2,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,086,000 | 7,111,000 | 6,930,000 | 7,482,000 |
| Interest-bearing deposits | 5,256,000 | 5,291,000 | 5,141,000 | 5,170,000 |
| Noninterest-bearing deposits | 1,830,000 | 1,820,000 | 1,789,000 | 2,312,000 |
| Equity capital | 888,000 | 924,000 | 906,000 | 882,000 |
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 | 124,000 | 248,000 | 376,000 | 506,000 |
| Interest expense | 13,000 | 25,000 | 37,000 | 50,000 |
| Net interest income | 111,000 | 223,000 | 339,000 | 456,000 |
| Noninterest income | 16,000 | 31,000 | 46,000 | 64,000 |
| Noninterest expense | 93,000 | 181,000 | 270,000 | 409,000 |
| Provision for loan losses | 0 | -1,000 | -8,000 | -7,000 |
| Pretax income | 34,000 | 74,000 | 123,000 | 118,000 |
| Income tax | -2,000 | 2,000 | 8,000 | 27,000 |
| Net income | 36,000 | 72,000 | 115,000 | 91,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 884,000 | 920,000 | 902,000 | 878,000 |
| Total capital | 948,000 | 989,000 | 964,000 | 941,000 |
| Risk-weighted assets | 5,399,000 | 6,203,000 | 5,592,000 | 5,846,000 |