Call reports 2004
POCAHONTAS STATE BANK — 2004
What POCAHONTAS 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 | 59,549,000 | 57,888,000 | 61,060,000 | 59,783,000 |
| Total loans | 28,891,000 | 29,678,000 | 28,838,000 | 28,112,000 |
| Allowance for loan losses | 281,000 | 282,000 | 279,000 | 282,000 |
| Securities available for sale | 11,888,000 | 12,820,000 | 13,066,000 | 14,082,000 |
| Securities held to maturity | 9,570,000 | 9,846,000 | 10,640,000 | 11,191,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,420,000 | 46,551,000 | 49,150,000 | 48,286,000 |
| Interest-bearing deposits | 46,318,000 | 43,291,000 | 44,885,000 | 43,095,000 |
| Noninterest-bearing deposits | 4,102,000 | 3,260,000 | 4,265,000 | 5,191,000 |
| Equity capital | 8,285,000 | 8,019,000 | 8,623,000 | 8,211,000 |
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 | 695,000 | 1,428,000 | 2,138,000 | 2,840,000 |
| Interest expense | 255,000 | 488,000 | 724,000 | 958,000 |
| Net interest income | 440,000 | 940,000 | 1,414,000 | 1,882,000 |
| Noninterest income | 44,000 | 89,000 | 131,000 | 166,000 |
| Noninterest expense | 187,000 | 375,000 | 556,000 | 741,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 297,000 | 722,000 | 1,057,000 | 1,345,000 |
| Income tax | 8,000 | 47,000 | 60,000 | 74,000 |
| Net income | 289,000 | 675,000 | 997,000 | 1,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,429,000 | 5,879,000 | 6,111,000 | 5,815,000 |
| Total capital | 5,710,000 | 6,161,000 | 6,390,000 | 6,097,000 |
| Risk-weighted assets | 35,771,000 | 36,466,000 | 36,763,000 | 36,143,000 |
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