Call reports 2004
CENTRAL BANK OF SEDALIA — 2004
What CENTRAL BANK OF SEDALIA 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 | 239,376,000 | 239,373,000 | 239,155,000 | 249,730,000 |
| Total loans | 162,332,000 | 163,326,000 | 167,338,000 | 165,510,000 |
| Allowance for loan losses | 2,992,000 | 3,061,000 | 3,055,000 | 3,111,000 |
| Securities available for sale | 58,110,000 | 51,073,000 | 49,654,000 | 63,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,036,000 | 206,094,000 | 206,302,000 | 217,641,000 |
| Interest-bearing deposits | 172,206,000 | 170,893,000 | 170,516,000 | 179,915,000 |
| Noninterest-bearing deposits | 34,830,000 | 35,201,000 | 35,786,000 | 37,726,000 |
| Equity capital | 21,720,000 | 20,945,000 | 21,219,000 | 21,229,000 |
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 | 3,051,000 | 6,170,000 | 9,165,000 | 12,227,000 |
| Interest expense | 736,000 | 1,430,000 | 2,153,000 | 2,959,000 |
| Net interest income | 2,315,000 | 4,740,000 | 7,012,000 | 9,268,000 |
| Noninterest income | 685,000 | 1,548,000 | 2,337,000 | 3,171,000 |
| Noninterest expense | 1,610,000 | 3,259,000 | 4,882,000 | 6,506,000 |
| Provision for loan losses | 65,000 | 132,000 | 207,000 | 277,000 |
| Pretax income | 1,325,000 | 2,897,000 | 4,263,000 | 5,659,000 |
| Income tax | 488,000 | 1,070,000 | 1,572,000 | 2,076,000 |
| Net income | 837,000 | 1,827,000 | 2,691,000 | 3,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,411,000 | 20,460,000 | 20,465,000 | 20,457,000 |
| Total capital | 22,415,000 | 22,496,000 | 22,553,000 | 22,556,000 |
| Risk-weighted assets | 159,330,000 | 161,872,000 | 166,055,000 | 166,887,000 |
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