Call reports 2004
FIRST STATE BANK OF COLORADO — 2004
What FIRST STATE BANK OF COLORADO 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 | 47,010,000 | 48,429,000 | 49,640,000 | 50,900,000 |
| Total loans | 33,033,000 | 33,594,000 | 35,990,000 | 37,341,000 |
| Allowance for loan losses | 524,000 | 529,000 | 457,000 | 480,000 |
| Securities available for sale | 9,280,000 | 9,007,000 | 9,253,000 | 7,681,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,188,000 | 41,153,000 | 41,217,000 | 43,887,000 |
| Interest-bearing deposits | 32,338,000 | 33,726,000 | 33,525,000 | 34,634,000 |
| Noninterest-bearing deposits | 7,850,000 | 7,427,000 | 7,692,000 | 9,253,000 |
| Equity capital | 6,423,000 | 6,276,000 | 6,457,000 | 6,468,000 |
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 | 647,000 | 1,252,000 | 1,896,000 | 2,607,000 |
| Interest expense | 106,000 | 214,000 | 332,000 | 471,000 |
| Net interest income | 541,000 | 1,038,000 | 1,564,000 | 2,136,000 |
| Noninterest income | 258,000 | 370,000 | 494,000 | 604,000 |
| Noninterest expense | 398,000 | 760,000 | 1,157,000 | 1,560,000 |
| Provision for loan losses | 5,000 | 32,000 | 59,000 | 82,000 |
| Pretax income | 396,000 | 616,000 | 842,000 | 1,116,000 |
| Income tax | 135,000 | 211,000 | 290,000 | 388,000 |
| Net income | 261,000 | 405,000 | 552,000 | 728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,019,000 | 5,044,000 | 5,071,000 | 5,127,000 |
| Total capital | 5,459,000 | 5,485,000 | 5,528,000 | 5,607,000 |
| Risk-weighted assets | 35,099,000 | 35,155,000 | 37,342,000 | 38,773,000 |