Call reports 2004
STATE NATIONAL BANK IN WEST, THE — 2004
What STATE NATIONAL BANK IN WEST, THE 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 | 48,099,000 | 48,033,000 | 49,058,000 | 47,790,000 |
| Total loans | 12,216,000 | 11,327,000 | 10,933,000 | 11,060,000 |
| Allowance for loan losses | 285,000 | 294,000 | 265,000 | 304,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 29,519,000 | 29,440,000 | 29,383,000 | 30,321,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,105,000 | 43,013,000 | 44,043,000 | 42,770,000 |
| Interest-bearing deposits | 32,813,000 | 32,826,000 | 32,917,000 | 31,658,000 |
| Noninterest-bearing deposits | 10,292,000 | 10,187,000 | 11,126,000 | 11,112,000 |
| Equity capital | 4,924,000 | 4,952,000 | 4,945,000 | 4,986,000 |
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 | 499,000 | 1,014,000 | 1,484,000 | 2,096,000 |
| Interest expense | 76,000 | 140,000 | 202,000 | 260,000 |
| Net interest income | 423,000 | 874,000 | 1,282,000 | 1,836,000 |
| Noninterest income | 53,000 | 93,000 | 135,000 | 184,000 |
| Noninterest expense | 373,000 | 731,000 | 1,101,000 | 1,460,000 |
| Provision for loan losses | 30,000 | 45,000 | 60,000 | 75,000 |
| Pretax income | 73,000 | 191,000 | 256,000 | 485,000 |
| Income tax | 25,000 | 65,000 | 87,000 | 165,000 |
| Net income | 48,000 | 126,000 | 169,000 | 320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,924,000 | 4,952,000 | 4,945,000 | 4,986,000 |
| Total capital | 5,161,000 | 5,179,000 | 5,171,000 | 5,211,000 |
| Risk-weighted assets | 18,873,000 | 18,123,000 | 18,045,000 | 17,950,000 |
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