Call reports 2004
INDUSTRY STATE BANK — 2004
What INDUSTRY STATE 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 | 174,863,000 | 170,845,000 | 174,285,000 | 185,705,000 |
| Total loans | 72,507,000 | 71,487,000 | 75,089,000 | 73,368,000 |
| Allowance for loan losses | 1,181,000 | 1,189,000 | 1,197,000 | 1,255,000 |
| Securities available for sale | 93,717,000 | 88,471,000 | 89,328,000 | 87,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,634,000 | 138,785,000 | 140,162,000 | 155,949,000 |
| Interest-bearing deposits | 120,442,000 | 121,503,000 | 122,476,000 | 126,377,000 |
| Noninterest-bearing deposits | 19,192,000 | 17,282,000 | 17,686,000 | 29,572,000 |
| Equity capital | 15,666,000 | 14,394,000 | 16,202,000 | 15,908,000 |
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 | 2,044,000 | 4,059,000 | 6,153,000 | 8,257,000 |
| Interest expense | 765,000 | 1,533,000 | 2,318,000 | 3,148,000 |
| Net interest income | 1,279,000 | 2,526,000 | 3,835,000 | 5,109,000 |
| Noninterest income | 554,000 | 1,100,000 | 1,723,000 | 2,328,000 |
| Noninterest expense | 1,024,000 | 2,024,000 | 3,036,000 | 4,162,000 |
| Provision for loan losses | 30,000 | 50,000 | 65,000 | 80,000 |
| Pretax income | 804,000 | 1,600,000 | 2,506,000 | 3,201,000 |
| Income tax | 172,000 | 342,000 | 549,000 | 673,000 |
| Net income | 632,000 | 1,258,000 | 1,957,000 | 2,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,665,000 | 14,213,000 | 14,899,000 | 14,761,000 |
| Total capital | 14,829,000 | 15,391,000 | 16,095,000 | 15,986,000 |
| Risk-weighted assets | 93,115,000 | 94,230,000 | 95,686,000 | 97,996,000 |
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