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 | 176,432,000 | 196,066,000 | 179,366,000 | 181,550,000 |
| Total loans | 147,007,000 | 142,758,000 | 144,101,000 | 143,178,000 |
| Allowance for loan losses | 2,981,000 | 3,089,000 | 3,113,000 | 3,188,000 |
| Securities available for sale | 8,609,000 | 6,869,000 | 9,532,000 | 9,584,000 |
| Securities held to maturity | 4,494,000 | 4,768,000 | 6,718,000 | 6,149,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,346,000 | 158,727,000 | 139,853,000 | 143,720,000 |
| Interest-bearing deposits | 113,897,000 | 114,948,000 | 117,155,000 | 114,083,000 |
| Noninterest-bearing deposits | 23,449,000 | 43,779,000 | 22,698,000 | 29,637,000 |
| Equity capital | 14,919,000 | 14,871,000 | 15,144,000 | 15,499,000 |
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 | 2,729,000 | 5,488,000 | 8,250,000 | 11,017,000 |
| Interest expense | 892,000 | 1,755,000 | 2,590,000 | 3,362,000 |
| Net interest income | 1,837,000 | 3,733,000 | 5,660,000 | 7,655,000 |
| Noninterest income | 416,000 | 716,000 | 1,467,000 | 1,816,000 |
| Noninterest expense | 955,000 | 1,959,000 | 3,373,000 | 4,383,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 510,000 |
| Pretax income | 1,206,000 | 2,248,000 | 3,362,000 | 4,636,000 |
| Income tax | 16,000 | 34,000 | 52,000 | -61,000 |
| Net income | 1,190,000 | 2,214,000 | 3,310,000 | 4,697,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,645,000 | 14,393,000 | 14,921,000 | 15,308,000 |
| Total capital | 16,618,000 | 16,382,000 | 16,892,000 | 17,275,000 |
| Risk-weighted assets | 156,836,000 | 158,060,000 | 156,552,000 | 156,110,000 |