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 | 53,941,000 | 53,075,000 | 51,945,000 | 53,696,000 |
| Total loans | 30,499,000 | 30,400,000 | 30,686,000 | 32,459,000 |
| Allowance for loan losses | 419,000 | 405,000 | 415,000 | 426,000 |
| Securities available for sale | 18,927,000 | 17,515,000 | 17,398,000 | 17,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,850,000 | 44,472,000 | 42,457,000 | 44,417,000 |
| Interest-bearing deposits | 38,621,000 | 38,796,000 | 37,199,000 | 38,228,000 |
| Noninterest-bearing deposits | 5,229,000 | 5,676,000 | 5,258,000 | 6,189,000 |
| Equity capital | 5,831,000 | 5,453,000 | 5,861,000 | 5,670,000 |
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 | 703,000 | 1,363,000 | 2,062,000 | 2,770,000 |
| Interest expense | 196,000 | 385,000 | 567,000 | 751,000 |
| Net interest income | 507,000 | 978,000 | 1,495,000 | 2,019,000 |
| Noninterest income | 48,000 | 97,000 | 164,000 | 215,000 |
| Noninterest expense | 343,000 | 675,000 | 1,026,000 | 1,374,000 |
| Provision for loan losses | 9,000 | 18,000 | 27,000 | 36,000 |
| Pretax income | 208,000 | 403,000 | 630,000 | 849,000 |
| Income tax | 10,000 | 20,000 | 31,000 | 41,000 |
| Net income | 198,000 | 383,000 | 599,000 | 808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,546,000 | 4,596,000 | 4,720,000 | 4,668,000 |
| Total capital | 4,965,000 | 5,001,000 | 5,135,000 | 5,094,000 |
| Risk-weighted assets | 34,866,000 | 34,719,000 | 34,762,000 | 36,169,000 |