Call reports 2004
SENTRY BANK — 2004
What SENTRY BANK 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 | 61,795,000 | 61,913,000 | 64,495,000 | 64,125,000 |
| Total loans | 29,511,000 | 29,905,000 | 32,725,000 | 34,303,000 |
| Allowance for loan losses | 308,000 | 314,000 | 323,000 | 345,000 |
| Securities available for sale | 22,056,000 | 21,824,000 | 21,538,000 | 19,154,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,414,000 | 56,389,000 | 57,504,000 | 56,689,000 |
| Interest-bearing deposits | 45,983,000 | 47,143,000 | 48,041,000 | 47,370,000 |
| Noninterest-bearing deposits | 9,431,000 | 9,246,000 | 9,463,000 | 9,319,000 |
| Equity capital | 5,172,000 | 4,821,000 | 5,264,000 | 5,414,000 |
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 | 777,000 | 1,545,000 | 2,386,000 | 3,183,000 |
| Interest expense | 215,000 | 427,000 | 658,000 | 897,000 |
| Net interest income | 562,000 | 1,118,000 | 1,728,000 | 2,286,000 |
| Noninterest income | 76,000 | 188,000 | 287,000 | 386,000 |
| Noninterest expense | 348,000 | 713,000 | 1,074,000 | 1,401,000 |
| Provision for loan losses | 12,000 | 12,000 | 23,000 | 48,000 |
| Pretax income | 278,000 | 581,000 | 918,000 | 1,278,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 277,000 | 580,000 | 917,000 | 1,277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,651,000 | 4,801,000 | 5,026,000 | 5,386,000 |
| Total capital | 4,959,000 | 5,115,000 | 5,349,000 | 5,731,000 |
| Risk-weighted assets | 36,564,000 | 37,902,000 | 40,457,000 | 41,296,000 |