Call reports 2004
RUTH STATE BANK — 2004
What RUTH 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 | 28,305,000 | 28,902,000 | 28,250,000 | 30,046,000 |
| Total loans | 9,326,000 | 9,429,000 | 9,427,000 | 9,541,000 |
| Allowance for loan losses | 126,000 | 128,000 | 129,000 | 125,000 |
| Securities available for sale | 15,477,000 | 15,518,000 | 15,359,000 | 15,359,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,592,000 | 25,380,000 | 24,519,000 | 26,988,000 |
| Interest-bearing deposits | 21,828,000 | 22,241,000 | 21,927,000 | 23,722,000 |
| Noninterest-bearing deposits | 2,764,000 | 3,139,000 | 2,592,000 | 3,266,000 |
| Equity capital | 3,583,000 | 3,473,000 | 3,645,000 | 3,030,000 |
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 | 277,000 | 549,000 | 824,000 | 1,107,000 |
| Interest expense | 93,000 | 181,000 | 268,000 | 355,000 |
| Net interest income | 184,000 | 368,000 | 556,000 | 752,000 |
| Noninterest income | 13,000 | 28,000 | 41,000 | 48,000 |
| Noninterest expense | 127,000 | 258,000 | 391,000 | 593,000 |
| Provision for loan losses | 0 | 0 | 0 | -7,000 |
| Pretax income | 70,000 | 138,000 | 206,000 | 214,000 |
| Income tax | 8,000 | 22,000 | 0 | 0 |
| Net income | 62,000 | 116,000 | 206,000 | 214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,385,000 | 3,439,000 | 3,529,000 | 3,237,000 |
| Total capital | 3,511,000 | 3,567,000 | 3,658,000 | 3,362,000 |
| Risk-weighted assets | 13,668,000 | 13,987,000 | 13,616,000 | 13,818,000 |
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