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 | 53,267,000 | 54,793,000 | 52,976,000 | 53,042,000 |
| Total loans | 29,283,000 | 29,040,000 | 29,605,000 | 30,058,000 |
| Allowance for loan losses | 395,000 | 398,000 | 398,000 | 409,000 |
| Securities available for sale | 16,972,000 | 18,673,000 | 18,312,000 | 16,105,000 |
| Securities held to maturity | 1,737,000 | 1,414,000 | 1,109,000 | 2,438,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,901,000 | 44,767,000 | 42,705,000 | 44,068,000 |
| Interest-bearing deposits | 39,843,000 | 39,745,000 | 37,515,000 | 38,753,000 |
| Noninterest-bearing deposits | 5,058,000 | 5,022,000 | 5,190,000 | 5,315,000 |
| Equity capital | 5,892,000 | 6,107,000 | 5,916,000 | 5,736,000 |
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 | 768,000 | 1,541,000 | 2,305,000 | 3,048,000 |
| Interest expense | 265,000 | 524,000 | 764,000 | 982,000 |
| Net interest income | 503,000 | 1,017,000 | 1,541,000 | 2,066,000 |
| Noninterest income | 44,000 | 120,000 | 172,000 | 225,000 |
| Noninterest expense | 334,000 | 657,000 | 997,000 | 1,312,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 208,000 | 473,000 | 692,000 | 956,000 |
| Income tax | 10,000 | 24,000 | 35,000 | 48,000 |
| Net income | 198,000 | 449,000 | 657,000 | 908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,292,000 | 4,398,000 | 4,510,000 | 4,472,000 |
| Total capital | 4,687,000 | 4,796,000 | 4,908,000 | 4,881,000 |
| Risk-weighted assets | 33,782,000 | 34,095,000 | 34,877,000 | 35,057,000 |