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 | 121,829,000 | 122,127,000 | 121,337,000 | 122,359,000 |
| Total loans | 97,584,000 | 99,418,000 | 98,146,000 | 94,458,000 |
| Allowance for loan losses | 1,792,000 | 1,478,000 | 1,602,000 | 1,319,000 |
| Securities available for sale | 10,608,000 | 13,329,000 | 13,911,000 | 15,526,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,129,000 | 82,645,000 | 82,303,000 | 83,559,000 |
| Interest-bearing deposits | 72,862,000 | 72,071,000 | 72,275,000 | 72,613,000 |
| Noninterest-bearing deposits | 10,267,000 | 10,574,000 | 10,028,000 | 10,946,000 |
| Equity capital | 11,500,000 | 11,690,000 | 11,919,000 | 11,977,000 |
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 | 1,884,000 | 3,862,000 | 5,693,000 | 7,442,000 |
| Interest expense | 857,000 | 1,703,000 | 2,597,000 | 3,421,000 |
| Net interest income | 1,027,000 | 2,159,000 | 3,096,000 | 4,021,000 |
| Noninterest income | 277,000 | 580,000 | 835,000 | 1,074,000 |
| Noninterest expense | 668,000 | 1,348,000 | 1,968,000 | 2,548,000 |
| Provision for loan losses | 60,000 | 180,000 | 300,000 | 420,000 |
| Pretax income | 576,000 | 1,211,000 | 1,663,000 | 2,131,000 |
| Income tax | 198,000 | 424,000 | 574,000 | 735,000 |
| Net income | 378,000 | 787,000 | 1,089,000 | 1,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,322,000 | 11,480,000 | 11,771,000 | 11,803,000 |
| Total capital | 12,439,000 | 12,612,000 | 12,889,000 | 12,878,000 |
| Risk-weighted assets | 88,671,000 | 90,234,000 | 88,943,000 | 85,776,000 |
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