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 | 745,958,000 | 734,648,000 | 753,300,000 | 730,656,000 |
| Total loans | 448,877,000 | 470,434,000 | 482,541,000 | 483,608,000 |
| Allowance for loan losses | 4,621,000 | 4,550,000 | 4,552,000 | 3,804,000 |
| Securities available for sale | 205,809,000 | 190,761,000 | 179,136,000 | 179,224,000 |
| Securities held to maturity | 9,194,000 | 6,950,000 | 5,052,000 | 2,891,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 666,344,000 | 655,438,000 | 672,974,000 | 650,974,000 |
| Interest-bearing deposits | 608,288,000 | 595,924,000 | 621,007,000 | 606,769,000 |
| Noninterest-bearing deposits | 58,056,000 | 59,514,000 | 51,967,000 | 44,205,000 |
| Equity capital | 69,561,000 | 68,528,000 | 71,031,000 | 70,521,000 |
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 | 8,170,000 | 16,175,000 | 24,513,000 | 33,172,000 |
| Interest expense | 2,229,000 | 4,399,000 | 6,689,000 | 9,144,000 |
| Net interest income | 5,941,000 | 11,776,000 | 17,824,000 | 24,028,000 |
| Noninterest income | 1,079,000 | 2,628,000 | 4,053,000 | 5,409,000 |
| Noninterest expense | 4,312,000 | 8,760,000 | 13,539,000 | 18,551,000 |
| Provision for loan losses | 141,000 | 171,000 | 321,000 | 1,681,000 |
| Pretax income | 2,567,000 | 5,571,000 | 8,124,000 | 9,312,000 |
| Income tax | 773,000 | 1,744,000 | 2,650,000 | 3,159,000 |
| Net income | 1,794,000 | 3,827,000 | 5,474,000 | 6,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,115,000 | 71,022,000 | 72,406,000 | 72,476,000 |
| Total capital | 74,736,000 | 75,572,000 | 76,958,000 | 76,280,000 |
| Risk-weighted assets | 434,184,000 | 444,882,000 | 456,410,000 | 455,338,000 |