Call reports 2004
FIRST STATE BANK OF ST. PETER — 2004
What FIRST STATE BANK OF ST. PETER 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 | 22,748,000 | 22,460,000 | 22,154,000 | 21,819,000 |
| Total loans | 8,737,000 | 9,308,000 | 9,316,000 | 9,120,000 |
| Allowance for loan losses | 91,000 | 92,000 | 73,000 | 88,000 |
| Securities available for sale | 9,218,000 | 9,073,000 | 7,427,000 | 8,524,000 |
| Securities held to maturity | 2,742,000 | 2,847,000 | 2,895,000 | 2,984,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,258,000 | 18,976,000 | 18,578,000 | 18,294,000 |
| Interest-bearing deposits | 16,642,000 | 16,756,000 | 15,939,000 | 15,381,000 |
| Noninterest-bearing deposits | 2,616,000 | 2,220,000 | 2,639,000 | 2,913,000 |
| Equity capital | 3,229,000 | 3,168,000 | 3,281,000 | 3,258,000 |
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 | 305,000 | 588,000 | 886,000 | 1,185,000 |
| Interest expense | 80,000 | 157,000 | 230,000 | 307,000 |
| Net interest income | 225,000 | 431,000 | 656,000 | 878,000 |
| Noninterest income | 9,000 | 28,000 | 49,000 | 64,000 |
| Noninterest expense | 133,000 | 272,000 | 412,000 | 555,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 103,000 | 204,000 | 312,000 | 391,000 |
| Income tax | 15,000 | 41,000 | 73,000 | 95,000 |
| Net income | 88,000 | 163,000 | 239,000 | 296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,153,000 | 3,169,000 | 3,244,000 | 3,241,000 |
| Total capital | 3,244,000 | 3,260,000 | 3,317,000 | 3,329,000 |
| Risk-weighted assets | 11,324,000 | 11,804,000 | 11,724,000 | 11,369,000 |