Call reports 2004
BANK AND TRUST, SSB, THE — 2004
What BANK AND TRUST, SSB, 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 | 259,231,000 | 256,910,000 | 257,993,000 | 255,510,000 |
| Total loans | 114,423,000 | 117,779,000 | 124,333,000 | 127,669,000 |
| Allowance for loan losses | 870,000 | 905,000 | 909,000 | 904,000 |
| Securities available for sale | 123,151,000 | 117,911,000 | 113,574,000 | 104,250,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,119,000 | 202,112,000 | 201,565,000 | 203,422,000 |
| Interest-bearing deposits | 178,866,000 | 176,970,000 | 179,173,000 | 179,196,000 |
| Noninterest-bearing deposits | 29,253,000 | 25,142,000 | 22,392,000 | 24,226,000 |
| Equity capital | 23,787,000 | 22,859,000 | 24,823,000 | 23,636,000 |
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 | 3,264,000 | 6,314,000 | 9,625,000 | 12,954,000 |
| Interest expense | 866,000 | 1,696,000 | 2,537,000 | 3,407,000 |
| Net interest income | 2,398,000 | 4,618,000 | 7,088,000 | 9,547,000 |
| Noninterest income | 664,000 | 1,339,000 | 2,059,000 | 2,770,000 |
| Noninterest expense | 1,667,000 | 3,458,000 | 5,312,000 | 7,271,000 |
| Provision for loan losses | 45,000 | 90,000 | 120,000 | 160,000 |
| Pretax income | 1,342,000 | 2,416,000 | 3,722,000 | 4,610,000 |
| Income tax | 418,000 | 736,000 | 1,126,000 | 1,363,000 |
| Net income | 924,000 | 1,680,000 | 2,596,000 | 3,247,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,000,000 | 23,757,000 | 24,673,000 | 23,924,000 |
| Total capital | 23,870,000 | 24,662,000 | 25,582,000 | 24,828,000 |
| Risk-weighted assets | 140,808,000 | 150,261,000 | 155,689,000 | 144,783,000 |
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