Call reports 2004
INTERCITY STATE BANK — 2004
What INTERCITY 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 | 119,421,000 | 118,665,000 | 119,971,000 | 123,070,000 |
| Total loans | 83,327,000 | 87,369,000 | 90,904,000 | 93,302,000 |
| Allowance for loan losses | 1,100,000 | 1,103,000 | 1,104,000 | 1,106,000 |
| Securities available for sale | 4,340,000 | 3,514,000 | 2,825,000 | 2,807,000 |
| Securities held to maturity | 9,644,000 | 10,803,000 | 10,803,000 | 10,627,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,940,000 | 99,838,000 | 100,516,000 | 103,180,000 |
| Interest-bearing deposits | 85,182,000 | 85,460,000 | 86,389,000 | 88,409,000 |
| Noninterest-bearing deposits | 15,758,000 | 14,378,000 | 14,127,000 | 14,771,000 |
| Equity capital | 17,513,000 | 17,904,000 | 18,346,000 | 18,771,000 |
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 | 1,398,000 | 2,811,000 | 4,231,000 | 5,700,000 |
| Interest expense | 410,000 | 810,000 | 1,223,000 | 1,642,000 |
| Net interest income | 988,000 | 2,001,000 | 3,008,000 | 4,058,000 |
| Noninterest income | 162,000 | 268,000 | 397,000 | 528,000 |
| Noninterest expense | 489,000 | 956,000 | 1,432,000 | 1,905,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 34,000 |
| Pretax income | 651,000 | 1,303,000 | 1,963,000 | 2,647,000 |
| Income tax | 229,000 | 458,000 | 687,000 | 935,000 |
| Net income | 422,000 | 845,000 | 1,276,000 | 1,712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,470,000 | 17,893,000 | 18,324,000 | 18,760,000 |
| Total capital | 18,570,000 | 18,996,000 | 19,428,000 | 19,866,000 |
| Risk-weighted assets | 107,048,000 | 109,061,000 | 112,513,000 | 115,323,000 |
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