Call reports 2004
STATE BANK OF CHILTON — 2004
What STATE BANK OF CHILTON 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 | 97,409,000 | 98,750,000 | 101,106,000 | 105,105,000 |
| Total loans | 77,015,000 | 77,390,000 | 81,517,000 | 85,888,000 |
| Allowance for loan losses | 1,103,000 | 1,142,000 | 1,151,000 | 1,188,000 |
| Securities available for sale | 15,187,000 | 14,111,000 | 14,070,000 | 13,558,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,202,000 | 77,707,000 | 79,684,000 | 83,438,000 |
| Interest-bearing deposits | 64,073,000 | 65,763,000 | 67,066,000 | 70,773,000 |
| Noninterest-bearing deposits | 12,129,000 | 11,944,000 | 12,618,000 | 12,665,000 |
| Equity capital | 20,281,000 | 20,287,000 | 20,783,000 | 21,019,000 |
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 | 1,291,000 | 2,566,000 | 3,967,000 | 5,512,000 |
| Interest expense | 238,000 | 476,000 | 748,000 | 1,052,000 |
| Net interest income | 1,053,000 | 2,090,000 | 3,219,000 | 4,460,000 |
| Noninterest income | 69,000 | 261,000 | 336,000 | 405,000 |
| Noninterest expense | 730,000 | 1,343,000 | 2,078,000 | 2,843,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 379,000 | 991,000 | 1,445,000 | 1,975,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 379,000 | 991,000 | 1,445,000 | 1,975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,652,000 | 20,094,000 | 20,381,000 | 20,744,000 |
| Total capital | 20,605,000 | 21,056,000 | 21,409,000 | 21,775,000 |
| Risk-weighted assets | 76,057,000 | 76,761,000 | 82,096,000 | 82,314,000 |