Call reports 2004
FIRST STATE BANK OF MIAMI, TEXAS — 2004
What FIRST STATE BANK OF MIAMI, TEXAS 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 | 25,717,000 | 25,119,000 | 24,448,000 | 25,481,000 |
| Total loans | 14,242,000 | 14,943,000 | 14,611,000 | 13,493,000 |
| Allowance for loan losses | 273,000 | 252,000 | 396,000 | 426,000 |
| Securities available for sale | 4,014,000 | 3,710,000 | 3,599,000 | 3,469,000 |
| Securities held to maturity | 2,825,000 | 2,823,000 | 2,712,000 | 2,711,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,787,000 | 22,276,000 | 22,082,000 | 23,594,000 |
| Interest-bearing deposits | 17,265,000 | 16,698,000 | 17,055,000 | 17,978,000 |
| Noninterest-bearing deposits | 5,522,000 | 5,578,000 | 5,027,000 | 5,616,000 |
| Equity capital | 2,911,000 | 2,816,000 | 2,327,000 | 1,872,000 |
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 | 307,000 | 629,000 | 929,000 | 1,188,000 |
| Interest expense | 39,000 | 76,000 | 115,000 | 154,000 |
| Net interest income | 268,000 | 553,000 | 814,000 | 1,034,000 |
| Noninterest income | 55,000 | 90,000 | 126,000 | 193,000 |
| Noninterest expense | 291,000 | 587,000 | 863,000 | 1,154,000 |
| Provision for loan losses | 5,000 | 5,000 | 475,000 | 1,125,000 |
| Pretax income | 27,000 | 51,000 | -398,000 | -1,052,000 |
| Income tax | 8,000 | 28,000 | 96,000 | -106,000 |
| Net income | 19,000 | 23,000 | -494,000 | -946,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,202,000 | 2,174,000 | 1,660,000 | 1,129,000 |
| Total capital | 2,406,000 | 2,377,000 | 1,858,000 | 1,325,000 |
| Risk-weighted assets | 15,415,000 | 16,133,000 | 15,656,000 | 15,456,000 |