Call reports 2004
UNITED PRAIRIE BANK - SPICER — 2004
What UNITED PRAIRIE BANK - SPICER 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 | 55,292,000 | 60,915,000 | 61,326,000 | 60,075,000 |
| Total loans | 41,954,000 | 45,451,000 | 46,183,000 | 45,447,000 |
| Allowance for loan losses | 738,000 | 744,000 | 746,000 | 746,000 |
| Securities available for sale | 8,080,000 | 9,555,000 | 9,668,000 | 9,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,328,000 | 48,162,000 | 48,580,000 | 48,804,000 |
| Interest-bearing deposits | 42,450,000 | 43,822,000 | 43,946,000 | 44,841,000 |
| Noninterest-bearing deposits | 3,878,000 | 4,340,000 | 4,634,000 | 3,963,000 |
| Equity capital | 5,745,000 | 5,536,000 | 5,786,000 | 5,793,000 |
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 | 757,000 | 1,603,000 | 2,465,000 | 3,348,000 |
| Interest expense | 209,000 | 413,000 | 642,000 | 893,000 |
| Net interest income | 548,000 | 1,190,000 | 1,823,000 | 2,455,000 |
| Noninterest income | 55,000 | 117,000 | 164,000 | 280,000 |
| Noninterest expense | 429,000 | 841,000 | 1,295,000 | 1,914,000 |
| Provision for loan losses | 9,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 165,000 | 451,000 | 677,000 | 806,000 |
| Income tax | -12,000 | 12,000 | 32,000 | 52,000 |
| Net income | 177,000 | 439,000 | 645,000 | 754,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,512,000 | 4,686,000 | 4,822,000 | 4,904,000 |
| Total capital | 4,964,000 | 5,183,000 | 5,347,000 | 5,409,000 |
| Risk-weighted assets | 45,442,000 | 49,085,000 | 50,495,000 | 48,883,000 |