Call reports 2004
STOCK EXCHANGE BANK — 2004
What STOCK EXCHANGE 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 | 28,503,000 | 28,642,000 | 27,917,000 | 27,530,000 |
| Total loans | 12,017,000 | 12,763,000 | 14,045,000 | 14,764,000 |
| Allowance for loan losses | 170,000 | 170,000 | 170,000 | 175,000 |
| Securities available for sale | 8,448,000 | 7,574,000 | 7,162,000 | 6,868,000 |
| Securities held to maturity | 2,871,000 | 3,443,000 | 3,165,000 | 3,264,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,178,000 | 25,437,000 | 24,626,000 | 24,252,000 |
| Interest-bearing deposits | 21,732,000 | 21,912,000 | 21,040,000 | 20,761,000 |
| Noninterest-bearing deposits | 3,446,000 | 3,525,000 | 3,586,000 | 3,491,000 |
| Equity capital | 3,280,000 | 3,167,000 | 3,248,000 | 3,241,000 |
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 | 317,000 | 627,000 | 952,000 | 1,283,000 |
| Interest expense | 95,000 | 184,000 | 271,000 | 352,000 |
| Net interest income | 222,000 | 443,000 | 681,000 | 931,000 |
| Noninterest income | 32,000 | 62,000 | 92,000 | 120,000 |
| Noninterest expense | 193,000 | 396,000 | 601,000 | 831,000 |
| Provision for loan losses | 0 | 0 | 8,000 | 13,000 |
| Pretax income | 61,000 | 109,000 | 166,000 | 209,000 |
| Income tax | 7,000 | 10,000 | 20,000 | 19,000 |
| Net income | 54,000 | 99,000 | 146,000 | 190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,185,000 | 3,196,000 | 3,211,000 | 3,223,000 |
| Total capital | 3,355,000 | 3,366,000 | 3,381,000 | 3,398,000 |
| Risk-weighted assets | 15,465,000 | 16,341,000 | 17,139,000 | 17,523,000 |
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