Call reports 2003
FIRST STATE BANK OF MIAMI, TEXAS — 2003
What FIRST STATE BANK OF MIAMI, TEXAS 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 | 30,203,000 | 27,247,000 | 25,759,000 | 26,326,000 |
| Total loans | 15,781,000 | 16,404,000 | 16,043,000 | 14,820,000 |
| Allowance for loan losses | 503,000 | 452,000 | 455,000 | 323,000 |
| Securities available for sale | 0 | 0 | 0 | 3,107,000 |
| Securities held to maturity | 8,746,000 | 4,608,000 | 3,129,000 | 2,934,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,590,000 | 24,586,000 | 23,030,000 | 23,390,000 |
| Interest-bearing deposits | 23,364,000 | 19,968,000 | 17,285,000 | 17,248,000 |
| Noninterest-bearing deposits | 4,226,000 | 4,618,000 | 5,745,000 | 6,142,000 |
| Equity capital | 2,588,000 | 2,644,000 | 2,713,000 | 2,922,000 |
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 | 368,000 | 718,000 | 1,047,000 | 1,362,000 |
| Interest expense | 81,000 | 148,000 | 199,000 | 243,000 |
| Net interest income | 287,000 | 570,000 | 848,000 | 1,119,000 |
| Noninterest income | 53,000 | 107,000 | 150,000 | 320,000 |
| Noninterest expense | 307,000 | 609,000 | 911,000 | 1,240,000 |
| Provision for loan losses | 214,000 | 220,000 | 219,000 | 99,000 |
| Pretax income | -181,000 | -152,000 | -132,000 | 96,000 |
| Income tax | 96,000 | 34,000 | -15,000 | 4,000 |
| Net income | -277,000 | -186,000 | -117,000 | 92,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,889,000 | 1,945,000 | 2,014,000 | 2,223,000 |
| Total capital | 2,112,000 | 2,170,000 | 2,235,000 | 2,426,000 |
| Risk-weighted assets | 17,563,000 | 17,800,000 | 17,482,000 | 16,111,000 |