Call reports 2004
FREEPORT STATE BANK — 2004
What FREEPORT STATE 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 | 57,116,000 | 59,544,000 | 61,283,000 | 61,112,000 |
| Total loans | 41,740,000 | 44,057,000 | 45,615,000 | 46,193,000 |
| Allowance for loan losses | 409,000 | 412,000 | 414,000 | 430,000 |
| Securities available for sale | 29,000 | 26,000 | 23,000 | 21,000 |
| Securities held to maturity | 9,159,000 | 9,140,000 | 9,323,000 | 9,276,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,969,000 | 53,346,000 | 54,912,000 | 54,835,000 |
| Interest-bearing deposits | 46,938,000 | 47,933,000 | 48,597,000 | 49,118,000 |
| Noninterest-bearing deposits | 5,031,000 | 5,413,000 | 6,315,000 | 5,717,000 |
| Equity capital | 4,736,000 | 4,764,000 | 4,893,000 | 4,902,000 |
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 | 867,000 | 1,748,000 | 2,672,000 | 3,569,000 |
| Interest expense | 212,000 | 423,000 | 651,000 | 883,000 |
| Net interest income | 655,000 | 1,325,000 | 2,021,000 | 2,686,000 |
| Noninterest income | 45,000 | 85,000 | 132,000 | 186,000 |
| Noninterest expense | 521,000 | 1,009,000 | 1,522,000 | 2,028,000 |
| Provision for loan losses | 67,000 | 111,000 | 156,000 | 404,000 |
| Pretax income | 112,000 | 290,000 | 475,000 | 440,000 |
| Income tax | 25,000 | 80,000 | 136,000 | 92,000 |
| Net income | 87,000 | 210,000 | 339,000 | 348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,734,000 | 4,762,000 | 4,891,000 | 4,901,000 |
| Total capital | 5,143,000 | 5,174,000 | 5,305,000 | 5,331,000 |
| Risk-weighted assets | 43,280,000 | 45,726,000 | 47,627,000 | 48,329,000 |
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