Call reports 2003
FIRST STATE BANK AND TRUST — 2003
What FIRST STATE BANK AND TRUST 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 | 217,149,000 | 224,660,000 | 227,728,000 | 231,630,000 |
| Total loans | 156,360,000 | 162,367,000 | 168,995,000 | 177,208,000 |
| Allowance for loan losses | 1,715,000 | 1,689,000 | 1,818,000 | 1,953,000 |
| Securities available for sale | 41,736,000 | 42,495,000 | 36,137,000 | 33,954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,639,000 | 172,740,000 | 177,334,000 | 180,932,000 |
| Interest-bearing deposits | 139,894,000 | 149,552,000 | 152,836,000 | 157,992,000 |
| Noninterest-bearing deposits | 21,745,000 | 23,188,000 | 24,498,000 | 22,940,000 |
| Equity capital | 17,835,000 | 18,444,000 | 18,581,000 | 18,622,000 |
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 | 3,209,000 | 6,577,000 | 9,979,000 | 13,464,000 |
| Interest expense | 1,038,000 | 2,088,000 | 3,064,000 | 4,066,000 |
| Net interest income | 2,171,000 | 4,489,000 | 6,915,000 | 9,398,000 |
| Noninterest income | 691,000 | 1,467,000 | 2,343,000 | 2,985,000 |
| Noninterest expense | 1,972,000 | 4,042,000 | 6,179,000 | 8,455,000 |
| Provision for loan losses | 78,000 | 156,000 | 333,000 | 472,000 |
| Pretax income | 812,000 | 1,758,000 | 2,746,000 | 3,456,000 |
| Income tax | 257,000 | 564,000 | 900,000 | 1,127,000 |
| Net income | 555,000 | 1,194,000 | 1,846,000 | 2,329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,192,000 | 14,679,000 | 15,180,000 | 15,311,000 |
| Total capital | 17,407,000 | 17,868,000 | 20,998,000 | 21,264,000 |
| Risk-weighted assets | 172,743,000 | 177,015,000 | 178,421,000 | 188,024,000 |