Call reports 2004
STATE CENTRAL BANK — 2004
What STATE CENTRAL 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 | 184,044,000 | 180,380,000 | 176,740,000 | 176,958,000 |
| Total loans | 107,141,000 | 108,018,000 | 108,202,000 | 110,325,000 |
| Allowance for loan losses | 2,535,000 | 2,540,000 | 2,269,000 | 2,958,000 |
| Securities available for sale | 43,562,000 | 44,073,000 | 43,597,000 | 42,971,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,985,000 | 141,567,000 | 137,440,000 | 138,311,000 |
| Interest-bearing deposits | 125,990,000 | 123,062,000 | 119,035,000 | 117,888,000 |
| Noninterest-bearing deposits | 18,995,000 | 18,505,000 | 18,405,000 | 20,423,000 |
| Equity capital | 27,676,000 | 26,941,000 | 27,649,000 | 26,735,000 |
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 | 2,052,000 | 4,143,000 | 6,393,000 | 8,564,000 |
| Interest expense | 519,000 | 1,044,000 | 1,563,000 | 2,140,000 |
| Net interest income | 1,533,000 | 3,099,000 | 4,830,000 | 6,424,000 |
| Noninterest income | 287,000 | 674,000 | 1,014,000 | 1,888,000 |
| Noninterest expense | 1,445,000 | 2,832,000 | 4,276,000 | 6,397,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,050,000 |
| Pretax income | 375,000 | 945,000 | 1,586,000 | 883,000 |
| Income tax | 84,000 | 314,000 | 565,000 | 243,000 |
| Net income | 291,000 | 631,000 | 1,021,000 | 640,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,748,000 | 26,709,000 | 27,099,000 | 25,464,000 |
| Total capital | 28,275,000 | 28,251,000 | 28,603,000 | 26,974,000 |
| Risk-weighted assets | 121,155,000 | 122,344,000 | 119,523,000 | 119,313,000 |
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