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 | 296,963,000 | 296,041,000 | 292,671,000 | 287,340,000 |
| Total loans | 150,516,000 | 157,272,000 | 157,819,000 | 162,566,000 |
| Allowance for loan losses | 2,829,000 | 2,684,000 | 2,720,000 | 2,795,000 |
| Securities available for sale | 110,892,000 | 113,396,000 | 104,022,000 | 101,277,000 |
| Securities held to maturity | 1,923,000 | 1,683,000 | 1,384,000 | 1,183,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,125,000 | 241,637,000 | 240,673,000 | 231,604,000 |
| Interest-bearing deposits | 216,455,000 | 211,399,000 | 211,276,000 | 200,839,000 |
| Noninterest-bearing deposits | 28,670,000 | 30,238,000 | 29,397,000 | 30,765,000 |
| Equity capital | 36,258,000 | 37,406,000 | 37,782,000 | 36,971,000 |
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 | 4,149,000 | 8,259,000 | 12,301,000 | 16,318,000 |
| Interest expense | 1,293,000 | 2,529,000 | 3,630,000 | 4,627,000 |
| Net interest income | 2,856,000 | 5,730,000 | 8,671,000 | 11,691,000 |
| Noninterest income | 619,000 | 1,222,000 | 1,819,000 | 2,431,000 |
| Noninterest expense | 1,898,000 | 3,827,000 | 5,753,000 | 7,778,000 |
| Provision for loan losses | 99,000 | 198,000 | 354,000 | 744,000 |
| Pretax income | 1,483,000 | 2,932,000 | 4,398,000 | 5,656,000 |
| Income tax | 490,000 | 968,000 | 1,303,000 | 1,622,000 |
| Net income | 993,000 | 1,964,000 | 3,095,000 | 4,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,600,000 | 35,571,000 | 36,421,000 | 35,821,000 |
| Total capital | 36,979,000 | 38,023,000 | 38,882,000 | 38,292,000 |
| Risk-weighted assets | 189,867,000 | 195,920,000 | 196,626,000 | 197,382,000 |