Call reports 2004
STATE BANK OF CERRO GORDO — 2004
What STATE BANK OF CERRO GORDO 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 | 25,950,000 | 25,227,000 | 26,603,000 | 25,876,000 |
| Total loans | 13,782,000 | 13,746,000 | 13,606,000 | 13,400,000 |
| Allowance for loan losses | 139,000 | 140,000 | 140,000 | 139,000 |
| Securities available for sale | 1,598,000 | 1,582,000 | 1,602,000 | 1,629,000 |
| Securities held to maturity | 5,242,000 | 5,443,000 | 5,100,000 | 5,560,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,198,000 | 19,466,000 | 20,752,000 | 20,227,000 |
| Interest-bearing deposits | 18,071,000 | 17,285,000 | 18,934,000 | 18,367,000 |
| Noninterest-bearing deposits | 2,127,000 | 2,181,000 | 1,818,000 | 1,860,000 |
| Equity capital | 3,969,000 | 3,995,000 | 4,063,000 | 3,929,000 |
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 | 304,000 | 603,000 | 902,000 | 1,204,000 |
| Interest expense | 111,000 | 213,000 | 315,000 | 418,000 |
| Net interest income | 193,000 | 390,000 | 587,000 | 786,000 |
| Noninterest income | 45,000 | 84,000 | 126,000 | 161,000 |
| Noninterest expense | 208,000 | 398,000 | 562,000 | 762,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 30,000 | 76,000 | 151,000 | 185,000 |
| Income tax | 4,000 | 13,000 | 33,000 | 39,000 |
| Net income | 26,000 | 63,000 | 118,000 | 146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,345,000 | 3,392,000 | 3,452,000 | 3,306,000 |
| Total capital | 3,484,000 | 3,537,000 | 3,600,000 | 3,468,000 |
| Risk-weighted assets | 12,856,000 | 12,971,000 | 13,425,000 | 13,149,000 |
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