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 | 174,249,000 | 194,131,000 | 190,458,000 | 191,205,000 |
| Total loans | 141,398,000 | 151,247,000 | 150,142,000 | 152,305,000 |
| Allowance for loan losses | 3,130,000 | 3,465,000 | 3,366,000 | 3,455,000 |
| Securities available for sale | 9,536,000 | 12,333,000 | 10,885,000 | 11,143,000 |
| Securities held to maturity | 6,998,000 | 7,466,000 | 7,799,000 | 7,751,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,350,000 | 154,623,000 | 150,998,000 | 151,706,000 |
| Interest-bearing deposits | 113,794,000 | 120,003,000 | 123,364,000 | 124,005,000 |
| Noninterest-bearing deposits | 22,556,000 | 34,620,000 | 27,634,000 | 27,701,000 |
| Equity capital | 15,454,000 | 16,688,000 | 16,538,000 | 16,667,000 |
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 | 2,505,000 | 5,585,000 | 8,340,000 | 11,226,000 |
| Interest expense | 718,000 | 1,516,000 | 2,265,000 | 3,036,000 |
| Net interest income | 1,787,000 | 4,069,000 | 6,075,000 | 8,190,000 |
| Noninterest income | 290,000 | 665,000 | 1,070,000 | 1,492,000 |
| Noninterest expense | 1,035,000 | 2,367,000 | 3,604,000 | 4,629,000 |
| Provision for loan losses | 60,000 | 150,000 | 200,000 | 200,000 |
| Pretax income | 982,000 | 2,219,000 | 3,389,000 | 4,901,000 |
| Income tax | 16,000 | 43,000 | 66,000 | 87,000 |
| Net income | 966,000 | 2,176,000 | 3,323,000 | 4,814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,274,000 | 16,630,000 | 16,494,000 | 16,684,000 |
| Total capital | 17,200,000 | 18,719,000 | 18,548,000 | 18,751,000 |
| Risk-weighted assets | 152,906,000 | 165,775,000 | 163,036,000 | 164,002,000 |