Call reports 2004
STANLEY BANK — 2004
What STANLEY 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 | 110,075,000 | 111,803,000 | 113,835,000 | 114,355,000 |
| Total loans | 71,799,000 | 72,234,000 | 75,327,000 | 78,793,000 |
| Allowance for loan losses | 848,000 | 831,000 | 826,000 | 751,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 21,081,000 | 24,063,000 | 24,085,000 | 24,005,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,836,000 | 91,266,000 | 92,956,000 | 92,936,000 |
| Interest-bearing deposits | 69,156,000 | 71,772,000 | 70,146,000 | 67,988,000 |
| Noninterest-bearing deposits | 20,680,000 | 19,494,000 | 22,810,000 | 24,948,000 |
| Equity capital | 20,069,000 | 20,365,000 | 20,694,000 | 21,243,000 |
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 | 1,227,000 | 2,487,000 | 3,814,000 | 5,296,000 |
| Interest expense | 146,000 | 302,000 | 493,000 | 733,000 |
| Net interest income | 1,081,000 | 2,185,000 | 3,321,000 | 4,563,000 |
| Noninterest income | 228,000 | 463,000 | 697,000 | 913,000 |
| Noninterest expense | 840,000 | 1,657,000 | 2,469,000 | 3,375,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 469,000 | 991,000 | 1,549,000 | 2,101,000 |
| Income tax | 22,000 | 48,000 | 77,000 | 80,000 |
| Net income | 447,000 | 943,000 | 1,472,000 | 2,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,069,000 | 20,365,000 | 20,694,000 | 21,243,000 |
| Total capital | 20,917,000 | 21,196,000 | 21,520,000 | 21,994,000 |
| Risk-weighted assets | 76,463,000 | 76,366,000 | 79,402,000 | 82,395,000 |
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