Call reports 2004
STATE BANK OF DELANO — 2004
What STATE BANK OF DELANO 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 | 91,068,000 | 94,362,000 | 100,737,000 | 108,113,000 |
| Total loans | 72,961,000 | 76,757,000 | 82,799,000 | 90,114,000 |
| Allowance for loan losses | 401,000 | 406,000 | 412,000 | 474,000 |
| Securities available for sale | 8,508,000 | 8,708,000 | 9,198,000 | 8,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,039,000 | 69,191,000 | 75,545,000 | 82,048,000 |
| Interest-bearing deposits | 55,571,000 | 57,074,000 | 62,321,000 | 67,224,000 |
| Noninterest-bearing deposits | 11,468,000 | 12,117,000 | 13,224,000 | 14,824,000 |
| Equity capital | 10,922,000 | 11,122,000 | 11,689,000 | 11,735,000 |
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 | 1,331,000 | 2,819,000 | 4,212,000 | 5,830,000 |
| Interest expense | 218,000 | 485,000 | 795,000 | 1,158,000 |
| Net interest income | 1,113,000 | 2,334,000 | 3,417,000 | 4,672,000 |
| Noninterest income | 131,000 | 297,000 | 621,000 | 824,000 |
| Noninterest expense | 621,000 | 1,263,000 | 2,012,000 | 2,790,000 |
| Provision for loan losses | 0 | 0 | 12,000 | 75,000 |
| Pretax income | 623,000 | 1,368,000 | 2,014,000 | 2,631,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 623,000 | 1,368,000 | 2,014,000 | 2,631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,712,000 | 11,137,000 | 11,601,000 | 11,718,000 |
| Total capital | 11,113,000 | 11,543,000 | 12,013,000 | 12,192,000 |
| Risk-weighted assets | 81,337,000 | 83,240,000 | 89,139,000 | 95,874,000 |
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