Call reports 2004
FIRST BANK OF SOUTH ARKANSAS — 2004
What FIRST BANK OF SOUTH ARKANSAS 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 | 92,523,000 | 90,568,000 | 104,840,000 | 100,479,000 |
| Total loans | 57,235,000 | 56,009,000 | 56,035,000 | 56,852,000 |
| Allowance for loan losses | 1,021,000 | 1,059,000 | 1,038,000 | 1,063,000 |
| Securities available for sale | 21,825,000 | 25,963,000 | 36,518,000 | 31,407,000 |
| Securities held to maturity | 78,000 | 54,000 | 43,000 | 25,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,761,000 | 75,033,000 | 91,056,000 | 86,740,000 |
| Interest-bearing deposits | 68,387,000 | 65,210,000 | 80,575,000 | 75,691,000 |
| Noninterest-bearing deposits | 10,374,000 | 9,823,000 | 10,481,000 | 11,049,000 |
| Equity capital | 9,859,000 | 9,602,000 | 10,281,000 | 10,414,000 |
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 | 1,251,000 | 2,474,000 | 3,737,000 | 5,031,000 |
| Interest expense | 335,000 | 668,000 | 1,030,000 | 1,458,000 |
| Net interest income | 916,000 | 1,806,000 | 2,707,000 | 3,573,000 |
| Noninterest income | 226,000 | 500,000 | 748,000 | 1,000,000 |
| Noninterest expense | 636,000 | 1,283,000 | 1,946,000 | 2,621,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 461,000 | 933,000 | 1,374,000 | 1,772,000 |
| Income tax | 175,000 | 345,000 | 503,000 | 644,000 |
| Net income | 286,000 | 588,000 | 871,000 | 1,128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,295,000 | 9,547,000 | 9,831,000 | 10,037,000 |
| Total capital | 10,022,000 | 10,265,000 | 10,582,000 | 10,787,000 |
| Risk-weighted assets | 57,863,000 | 57,084,000 | 59,785,000 | 59,714,000 |