Call reports 2004
INTERSTATE BANK — 2004
What INTERSTATE 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 | 75,392,000 | 74,985,000 | 74,723,000 | 78,482,000 |
| Total loans | 49,439,000 | 49,394,000 | 50,214,000 | 51,163,000 |
| Allowance for loan losses | 516,000 | 522,000 | 520,000 | 520,000 |
| Securities available for sale | 14,505,000 | 14,571,000 | 14,153,000 | 15,636,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,214,000 | 67,062,000 | 66,904,000 | 69,430,000 |
| Interest-bearing deposits | 61,141,000 | 60,455,000 | 57,286,000 | 63,228,000 |
| Noninterest-bearing deposits | 6,073,000 | 6,607,000 | 9,618,000 | 6,202,000 |
| Equity capital | 6,918,000 | 6,683,000 | 6,846,000 | 6,869,000 |
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 | 869,000 | 1,707,000 | 2,613,000 | 3,547,000 |
| Interest expense | 201,000 | 393,000 | 602,000 | 836,000 |
| Net interest income | 668,000 | 1,314,000 | 2,011,000 | 2,711,000 |
| Noninterest income | 356,000 | 679,000 | 1,025,000 | 1,339,000 |
| Noninterest expense | 673,000 | 1,404,000 | 2,051,000 | 2,715,000 |
| Provision for loan losses | 0 | 30,000 | 30,000 | 30,000 |
| Pretax income | 351,000 | 559,000 | 955,000 | 1,305,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 351,000 | 559,000 | 955,000 | 1,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,639,000 | 5,634,000 | 5,718,000 | 5,856,000 |
| Total capital | 6,155,000 | 6,156,000 | 6,238,000 | 6,376,000 |
| Risk-weighted assets | 45,201,000 | 45,431,000 | 46,150,000 | 48,849,000 |
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