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 | 295,116,000 | 293,190,000 | 292,320,000 | 293,493,000 |
| Total loans | 160,367,000 | 161,303,000 | 157,311,000 | 162,136,000 |
| Allowance for loan losses | 2,793,000 | 2,802,000 | 2,829,000 | 2,861,000 |
| Securities available for sale | 106,262,000 | 105,701,000 | 109,121,000 | 104,556,000 |
| Securities held to maturity | 964,000 | 864,000 | 704,000 | 704,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,527,000 | 239,935,000 | 236,631,000 | 236,732,000 |
| Interest-bearing deposits | 212,659,000 | 208,502,000 | 203,907,000 | 200,124,000 |
| Noninterest-bearing deposits | 30,868,000 | 31,433,000 | 32,724,000 | 36,608,000 |
| Equity capital | 38,370,000 | 37,572,000 | 38,962,000 | 37,577,000 |
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 | 3,902,000 | 7,733,000 | 11,643,000 | 15,583,000 |
| Interest expense | 958,000 | 1,881,000 | 2,807,000 | 3,758,000 |
| Net interest income | 2,944,000 | 5,852,000 | 8,836,000 | 11,825,000 |
| Noninterest income | 574,000 | 1,150,000 | 1,750,000 | 2,326,000 |
| Noninterest expense | 1,994,000 | 3,935,000 | 5,958,000 | 8,134,000 |
| Provision for loan losses | 102,000 | 211,000 | 262,000 | 313,000 |
| Pretax income | 1,413,000 | 2,986,000 | 4,501,000 | 5,863,000 |
| Income tax | 455,000 | 1,043,000 | 1,512,000 | 1,935,000 |
| Net income | 958,000 | 1,943,000 | 2,989,000 | 3,928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,778,000 | 37,763,000 | 38,295,000 | 37,325,000 |
| Total capital | 39,269,000 | 40,264,000 | 40,754,000 | 39,819,000 |
| Risk-weighted assets | 198,940,000 | 199,754,000 | 196,350,000 | 199,174,000 |