Call reports 2004
1ST STATE BANK — 2004
What 1ST 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 | 360,608,000 | 377,381,000 | 375,123,000 | 370,230,000 |
| Total loans | 235,719,000 | 235,509,000 | 236,683,000 | 238,232,000 |
| Allowance for loan losses | 3,892,000 | 3,910,000 | 3,955,000 | 3,985,000 |
| Securities available for sale | 84,367,000 | 96,627,000 | 95,691,000 | 90,499,000 |
| Securities held to maturity | 21,824,000 | 23,228,000 | 22,919,000 | 20,902,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 268,219,000 | 266,931,000 | 265,515,000 | 271,131,000 |
| Interest-bearing deposits | 248,805,000 | 247,190,000 | 245,352,000 | 251,499,000 |
| Noninterest-bearing deposits | 19,414,000 | 19,741,000 | 20,163,000 | 19,632,000 |
| Equity capital | 59,430,000 | 58,201,000 | 60,584,000 | 61,587,000 |
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 | 3,942,000 | 8,035,000 | 12,255,000 | 16,580,000 |
| Interest expense | 1,216,000 | 2,413,000 | 3,640,000 | 4,937,000 |
| Net interest income | 2,726,000 | 5,622,000 | 8,615,000 | 11,643,000 |
| Noninterest income | 522,000 | 1,233,000 | 1,763,000 | 2,334,000 |
| Noninterest expense | 2,001,000 | 4,027,000 | 6,088,000 | 7,999,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 510,000 |
| Pretax income | 1,275,000 | 2,796,000 | 4,225,000 | 5,583,000 |
| Income tax | 472,000 | 999,000 | 1,500,000 | 1,980,000 |
| Net income | 803,000 | 1,797,000 | 2,725,000 | 3,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,831,000 | 57,109,000 | 60,938,000 | 62,079,000 |
| Total capital | 61,089,000 | 60,426,000 | 64,430,000 | 65,563,000 |
| Risk-weighted assets | 259,995,000 | 264,751,000 | 278,878,000 | 278,206,000 |