Call reports 2003
FIRST STATE BANK OF COLORADO — 2003
What FIRST STATE BANK OF COLORADO 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 | 42,732,000 | 43,377,000 | 45,628,000 | 46,950,000 |
| Total loans | 31,605,000 | 34,240,000 | 34,813,000 | 32,042,000 |
| Allowance for loan losses | 519,000 | 504,000 | 515,000 | 514,000 |
| Securities available for sale | 5,166,000 | 3,714,000 | 4,729,000 | 6,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,772,000 | 37,022,000 | 37,919,000 | 40,280,000 |
| Interest-bearing deposits | 29,349,000 | 30,398,000 | 29,700,000 | 31,485,000 |
| Noninterest-bearing deposits | 6,423,000 | 6,624,000 | 8,219,000 | 8,795,000 |
| Equity capital | 6,091,000 | 6,134,000 | 6,122,000 | 6,239,000 |
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 | 546,000 | 1,121,000 | 1,704,000 | 2,298,000 |
| Interest expense | 130,000 | 247,000 | 350,000 | 455,000 |
| Net interest income | 416,000 | 874,000 | 1,354,000 | 1,843,000 |
| Noninterest income | 106,000 | 187,000 | 294,000 | 565,000 |
| Noninterest expense | 339,000 | 666,000 | 1,032,000 | 1,398,000 |
| Provision for loan losses | 16,000 | 1,000 | 12,000 | 27,000 |
| Pretax income | 167,000 | 394,000 | 604,000 | 983,000 |
| Income tax | 55,000 | 128,000 | 198,000 | 338,000 |
| Net income | 112,000 | 266,000 | 406,000 | 645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,683,000 | 4,719,000 | 4,760,000 | 4,879,000 |
| Total capital | 5,104,000 | 5,167,000 | 5,222,000 | 5,164,000 |
| Risk-weighted assets | 33,615,000 | 35,755,000 | 36,911,000 | 22,562,000 |