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 | 697,426,000 | 708,091,000 | 717,962,000 | 720,170,000 |
| Total loans | 386,399,000 | 402,206,000 | 423,816,000 | 448,184,000 |
| Allowance for loan losses | 4,923,000 | 4,582,000 | 4,497,000 | 4,555,000 |
| Securities available for sale | 189,847,000 | 202,561,000 | 176,071,000 | 192,273,000 |
| Securities held to maturity | 43,286,000 | 29,645,000 | 20,408,000 | 10,630,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 621,601,000 | 630,885,000 | 640,163,000 | 641,870,000 |
| Interest-bearing deposits | 562,732,000 | 569,965,000 | 568,181,000 | 589,558,000 |
| Noninterest-bearing deposits | 58,869,000 | 60,920,000 | 71,982,000 | 52,313,000 |
| Equity capital | 65,944,000 | 65,700,000 | 66,564,000 | 67,172,000 |
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 | 8,864,000 | 18,063,000 | 26,871,000 | 35,195,000 |
| Interest expense | 2,336,000 | 4,606,000 | 6,744,000 | 8,914,000 |
| Net interest income | 6,528,000 | 13,457,000 | 20,127,000 | 26,281,000 |
| Noninterest income | 812,000 | 1,692,000 | 2,675,000 | 3,671,000 |
| Noninterest expense | 4,741,000 | 9,733,000 | 14,872,000 | 19,639,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 320,000 |
| Pretax income | 2,569,000 | 5,356,000 | 7,840,000 | 9,993,000 |
| Income tax | 875,000 | 1,700,000 | 2,550,000 | 3,100,000 |
| Net income | 1,694,000 | 3,656,000 | 5,290,000 | 6,893,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,284,000 | 66,646,000 | 66,134,000 | 67,821,000 |
| Total capital | 71,993,000 | 71,228,000 | 70,631,000 | 72,376,000 |
| Risk-weighted assets | 376,492,000 | 390,782,000 | 399,293,000 | 420,465,000 |