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 | 41,497,000 | 40,907,000 | 39,908,000 | 42,814,000 |
| Total loans | 20,649,000 | 20,940,000 | 22,419,000 | 23,748,000 |
| Allowance for loan losses | 621,000 | 428,000 | 475,000 | 492,000 |
| Securities available for sale | 12,841,000 | 12,900,000 | 12,110,000 | 11,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,562,000 | 34,916,000 | 33,878,000 | 36,831,000 |
| Interest-bearing deposits | 28,880,000 | 28,431,000 | 27,326,000 | 28,470,000 |
| Noninterest-bearing deposits | 6,682,000 | 6,485,000 | 6,552,000 | 8,361,000 |
| Equity capital | 5,415,000 | 5,482,000 | 5,536,000 | 5,557,000 |
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 | 581,000 | 1,153,000 | 1,718,000 | 2,296,000 |
| Interest expense | 119,000 | 230,000 | 325,000 | 412,000 |
| Net interest income | 462,000 | 923,000 | 1,393,000 | 1,884,000 |
| Noninterest income | 64,000 | 136,000 | 201,000 | 260,000 |
| Noninterest expense | 354,000 | 715,000 | 1,061,000 | 1,411,000 |
| Provision for loan losses | 28,000 | 91,000 | 124,000 | 150,000 |
| Pretax income | 144,000 | 253,000 | 409,000 | 583,000 |
| Income tax | 40,000 | 79,000 | 115,000 | 140,000 |
| Net income | 104,000 | 174,000 | 294,000 | 443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,174,000 | 5,244,000 | 5,338,000 | 5,399,000 |
| Total capital | 5,504,000 | 5,576,000 | 5,680,000 | 5,759,000 |
| Risk-weighted assets | 25,980,000 | 26,467,000 | 27,191,000 | 28,792,000 |