Call reports 2004
FIRST STATE BANK AND TRUST — 2004
What FIRST STATE BANK AND TRUST 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 | 240,302,000 | 240,011,000 | 241,769,000 | 248,269,000 |
| Total loans | 183,735,000 | 190,736,000 | 194,117,000 | 200,083,000 |
| Allowance for loan losses | 2,093,000 | 2,208,000 | 2,314,000 | 2,450,000 |
| Securities available for sale | 33,134,000 | 29,758,000 | 27,964,000 | 25,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,937,000 | 188,432,000 | 182,193,000 | 193,499,000 |
| Interest-bearing deposits | 165,930,000 | 161,534,000 | 156,746,000 | 168,741,000 |
| Noninterest-bearing deposits | 23,007,000 | 26,898,000 | 25,447,000 | 24,758,000 |
| Equity capital | 19,180,000 | 19,090,000 | 19,758,000 | 20,085,000 |
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 | 3,503,000 | 7,169,000 | 10,906,000 | 14,738,000 |
| Interest expense | 1,010,000 | 2,026,000 | 3,092,000 | 4,240,000 |
| Net interest income | 2,493,000 | 5,143,000 | 7,814,000 | 10,498,000 |
| Noninterest income | 608,000 | 1,317,000 | 2,024,000 | 2,733,000 |
| Noninterest expense | 2,141,000 | 4,415,000 | 6,688,000 | 9,037,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 810,000 | 1,771,000 | 2,726,000 | 3,620,000 |
| Income tax | 253,000 | 558,000 | 865,000 | 1,146,000 |
| Net income | 557,000 | 1,213,000 | 1,861,000 | 2,474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,691,000 | 16,170,000 | 16,641,000 | 17,078,000 |
| Total capital | 21,784,000 | 22,378,000 | 22,655,000 | 23,228,000 |
| Risk-weighted assets | 203,842,000 | 199,720,000 | 202,978,000 | 209,319,000 |