Call reports 2004
STATE BANK OF BEMENT — 2004
What STATE BANK OF BEMENT 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 | 50,712,000 | 49,844,000 | 55,661,000 | 61,583,000 |
| Total loans | 30,908,000 | 31,896,000 | 33,769,000 | 34,819,000 |
| Allowance for loan losses | 434,000 | 440,000 | 445,000 | 310,000 |
| Securities available for sale | 2,206,000 | 2,180,000 | 2,188,000 | 2,381,000 |
| Securities held to maturity | 9,760,000 | 10,011,000 | 9,652,000 | 9,881,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,377,000 | 42,406,000 | 48,080,000 | 53,963,000 |
| Interest-bearing deposits | 39,052,000 | 37,880,000 | 44,115,000 | 48,611,000 |
| Noninterest-bearing deposits | 4,325,000 | 4,526,000 | 3,965,000 | 5,352,000 |
| Equity capital | 7,181,000 | 7,271,000 | 7,391,000 | 7,492,000 |
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 | 596,000 | 1,204,000 | 1,828,000 | 2,484,000 |
| Interest expense | 140,000 | 267,000 | 394,000 | 553,000 |
| Net interest income | 456,000 | 937,000 | 1,434,000 | 1,931,000 |
| Noninterest income | 127,000 | 231,000 | 329,000 | 446,000 |
| Noninterest expense | 443,000 | 876,000 | 1,316,000 | 1,750,000 |
| Provision for loan losses | 6,000 | 12,000 | 19,000 | 50,000 |
| Pretax income | 134,000 | 280,000 | 428,000 | 577,000 |
| Income tax | 33,000 | 78,000 | 112,000 | 151,000 |
| Net income | 101,000 | 202,000 | 316,000 | 426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,187,000 | 7,288,000 | 7,401,000 | 7,507,000 |
| Total capital | 7,621,000 | 7,723,000 | 7,846,000 | 7,817,000 |
| Risk-weighted assets | 34,705,000 | 34,767,000 | 37,500,000 | 40,794,000 |
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