Call reports 2004
SHELL LAKE STATE BANK — 2004
What SHELL LAKE 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 | 115,637,000 | 117,384,000 | 116,756,000 | 115,036,000 |
| Total loans | 64,853,000 | 65,464,000 | 65,501,000 | 63,954,000 |
| Allowance for loan losses | 964,000 | 979,000 | 992,000 | 979,000 |
| Securities available for sale | 42,043,000 | 43,289,000 | 43,213,000 | 43,138,000 |
| Securities held to maturity | 389,000 | 388,000 | 384,000 | 384,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,917,000 | 85,240,000 | 88,254,000 | 86,297,000 |
| Interest-bearing deposits | 69,175,000 | 70,144,000 | 72,112,000 | 70,313,000 |
| Noninterest-bearing deposits | 13,742,000 | 15,096,000 | 16,142,000 | 15,984,000 |
| Equity capital | 18,721,000 | 18,469,000 | 19,213,000 | 18,875,000 |
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 | 1,450,000 | 2,887,000 | 4,344,000 | 5,813,000 |
| Interest expense | 350,000 | 684,000 | 1,015,000 | 1,348,000 |
| Net interest income | 1,100,000 | 2,203,000 | 3,329,000 | 4,465,000 |
| Noninterest income | 227,000 | 476,000 | 716,000 | 907,000 |
| Noninterest expense | 622,000 | 1,325,000 | 1,976,000 | 2,867,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 689,000 | 1,323,000 | 2,019,000 | 2,440,000 |
| Income tax | 163,000 | 311,000 | 597,000 | 696,000 |
| Net income | 526,000 | 1,012,000 | 1,422,000 | 1,744,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,942,000 | 18,428,000 | 18,837,000 | 18,700,000 |
| Total capital | 18,814,000 | 19,371,000 | 19,748,000 | 19,579,000 |
| Risk-weighted assets | 69,650,000 | 75,396,000 | 72,813,000 | 70,183,000 |
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