Call reports 2004
FAIRMOUNT STATE BANK, THE — 2004
What FAIRMOUNT STATE BANK, 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 | 34,581,000 | 32,707,000 | 32,536,000 | 33,382,000 |
| Total loans | 17,817,000 | 19,064,000 | 19,094,000 | 18,359,000 |
| Allowance for loan losses | 327,000 | 323,000 | 332,000 | 318,000 |
| Securities available for sale | 6,637,000 | 6,405,000 | 6,323,000 | 6,269,000 |
| Securities held to maturity | 195,000 | 176,000 | 164,000 | 150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,326,000 | 27,558,000 | 27,284,000 | 28,225,000 |
| Interest-bearing deposits | 24,591,000 | 22,799,000 | 20,533,000 | 20,091,000 |
| Noninterest-bearing deposits | 4,735,000 | 4,759,000 | 6,751,000 | 8,134,000 |
| Equity capital | 4,960,000 | 4,901,000 | 4,981,000 | 4,963,000 |
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 | 422,000 | 832,000 | 1,256,000 | 1,675,000 |
| Interest expense | 115,000 | 228,000 | 339,000 | 448,000 |
| Net interest income | 307,000 | 604,000 | 917,000 | 1,227,000 |
| Noninterest income | 35,000 | 50,000 | 102,000 | 153,000 |
| Noninterest expense | 252,000 | 522,000 | 785,000 | 1,071,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 47,000 |
| Pretax income | 75,000 | 102,000 | 189,000 | 262,000 |
| Income tax | 20,000 | 27,000 | 59,000 | 73,000 |
| Net income | 55,000 | 75,000 | 130,000 | 189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,879,000 | 4,899,000 | 4,954,000 | 4,963,000 |
| Total capital | 5,128,000 | 5,160,000 | 5,217,000 | 5,219,000 |
| Risk-weighted assets | 19,845,000 | 20,789,000 | 20,991,000 | 20,400,000 |