Call reports 2004
DUPONT STATE BANK — 2004
What DUPONT 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 | 25,810,000 | 28,639,000 | 34,137,000 | 42,079,000 |
| Total loans | 15,915,000 | 22,956,000 | 28,207,000 | 31,117,000 |
| Allowance for loan losses | 242,000 | 276,000 | 322,000 | 389,000 |
| Securities available for sale | 3,696,000 | 3,144,000 | 3,057,000 | 2,937,000 |
| Securities held to maturity | 286,000 | 281,000 | 281,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,416,000 | 23,277,000 | 27,321,000 | 33,944,000 |
| Interest-bearing deposits | 16,617,000 | 18,915,000 | 22,691,000 | 23,407,000 |
| Noninterest-bearing deposits | 3,799,000 | 4,362,000 | 4,630,000 | 10,537,000 |
| Equity capital | 4,799,000 | 4,818,000 | 4,895,000 | 4,990,000 |
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 | 360,000 | 777,000 | 1,291,000 | 1,863,000 |
| Interest expense | 94,000 | 191,000 | 308,000 | 454,000 |
| Net interest income | 266,000 | 586,000 | 983,000 | 1,409,000 |
| Noninterest income | 46,000 | 114,000 | 185,000 | 249,000 |
| Noninterest expense | 275,000 | 557,000 | 864,000 | 1,198,000 |
| Provision for loan losses | 3,000 | 45,000 | 111,000 | 200,000 |
| Pretax income | 34,000 | 99,000 | 194,000 | 225,000 |
| Income tax | 11,000 | 29,000 | 59,000 | 68,000 |
| Net income | 23,000 | 70,000 | 135,000 | 157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,951,000 | 3,975,000 | 4,042,000 | 4,101,000 |
| Total capital | 4,122,000 | 4,218,000 | 4,354,000 | 4,474,000 |
| Risk-weighted assets | 13,643,000 | 19,450,000 | 24,978,000 | 29,856,000 |