Call reports 2004
STATE BANK OF NEW RICHLAND — 2004
What STATE BANK OF NEW RICHLAND 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 | 40,814,000 | 41,570,000 | 46,107,000 | 45,549,000 |
| Total loans | 29,318,000 | 31,881,000 | 32,759,000 | 34,734,000 |
| Allowance for loan losses | 404,000 | 439,000 | 493,000 | 502,000 |
| Securities available for sale | 6,676,000 | 4,666,000 | 8,104,000 | 4,575,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,589,000 | 29,593,000 | 30,312,000 | 32,411,000 |
| Interest-bearing deposits | 23,556,000 | 26,192,000 | 26,594,000 | 26,944,000 |
| Noninterest-bearing deposits | 4,033,000 | 3,401,000 | 3,718,000 | 5,467,000 |
| Equity capital | 3,523,000 | 3,159,000 | 3,417,000 | 3,527,000 |
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 | 576,000 | 1,260,000 | 1,908,000 | 2,663,000 |
| Interest expense | 222,000 | 455,000 | 710,000 | 981,000 |
| Net interest income | 354,000 | 805,000 | 1,198,000 | 1,682,000 |
| Noninterest income | 55,000 | 103,000 | 156,000 | 245,000 |
| Noninterest expense | 214,000 | 429,000 | 662,000 | 944,000 |
| Provision for loan losses | 38,000 | 85,000 | 144,000 | 235,000 |
| Pretax income | 157,000 | 394,000 | 548,000 | 671,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 157,000 | 394,000 | 548,000 | 671,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,634,000 | 3,720,000 | 3,722,000 | 3,845,000 |
| Total capital | 3,994,000 | 4,114,000 | 4,129,000 | 4,266,000 |
| Risk-weighted assets | 28,736,000 | 31,480,000 | 32,644,000 | 33,568,000 |
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