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 | 43,440,000 | 42,279,000 | 43,122,000 | 44,744,000 |
| Total loans | 21,464,000 | 22,119,000 | 24,525,000 | 24,518,000 |
| Allowance for loan losses | 505,000 | 513,000 | 539,000 | 568,000 |
| Securities available for sale | 11,636,000 | 13,966,000 | 13,009,000 | 13,817,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,325,000 | 36,193,000 | 36,654,000 | 38,751,000 |
| Interest-bearing deposits | 29,702,000 | 29,490,000 | 29,493,000 | 29,806,000 |
| Noninterest-bearing deposits | 7,623,000 | 6,703,000 | 7,161,000 | 8,945,000 |
| Equity capital | 5,661,000 | 5,649,000 | 5,870,000 | 5,513,000 |
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 | 540,000 | 1,133,000 | 1,741,000 | 2,379,000 |
| Interest expense | 87,000 | 170,000 | 254,000 | 345,000 |
| Net interest income | 453,000 | 963,000 | 1,487,000 | 2,034,000 |
| Noninterest income | 68,000 | 151,000 | 216,000 | 154,000 |
| Noninterest expense | 384,000 | 761,000 | 1,133,000 | 1,526,000 |
| Provision for loan losses | 29,000 | 62,000 | 95,000 | 128,000 |
| Pretax income | 108,000 | 291,000 | 475,000 | 450,000 |
| Income tax | 27,000 | 81,000 | 130,000 | 125,000 |
| Net income | 81,000 | 210,000 | 345,000 | 325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,510,000 | 5,614,000 | 5,775,000 | 5,476,000 |
| Total capital | 5,852,000 | 5,961,000 | 6,145,000 | 5,857,000 |
| Risk-weighted assets | 27,212,000 | 27,555,000 | 29,439,000 | 30,293,000 |