Call reports 2004
STATE BANK, THE — 2004
What STATE BANK, THE 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 | 359,595,000 | 368,806,000 | 395,730,000 | 383,180,000 |
| Total loans | 236,449,000 | 251,830,000 | 258,159,000 | 256,575,000 |
| Allowance for loan losses | 3,137,000 | 3,337,000 | 3,520,000 | 3,646,000 |
| Securities available for sale | 83,036,000 | 70,820,000 | 73,927,000 | 77,355,000 |
| Securities held to maturity | 10,775,000 | 10,534,000 | 15,558,000 | 15,793,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,284,000 | 326,009,000 | 353,177,000 | 338,046,000 |
| Interest-bearing deposits | 263,211,000 | 271,942,000 | 289,490,000 | 278,758,000 |
| Noninterest-bearing deposits | 53,073,000 | 54,067,000 | 63,687,000 | 59,288,000 |
| Equity capital | 28,001,000 | 27,704,000 | 29,370,000 | 30,168,000 |
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 | 4,330,000 | 8,647,000 | 13,227,000 | 18,129,000 |
| Interest expense | 1,279,000 | 2,573,000 | 3,950,000 | 5,273,000 |
| Net interest income | 3,051,000 | 6,074,000 | 9,277,000 | 12,856,000 |
| Noninterest income | 1,416,000 | 2,798,000 | 4,111,000 | 5,937,000 |
| Noninterest expense | 3,083,000 | 6,178,000 | 9,380,000 | 12,587,000 |
| Provision for loan losses | 219,000 | 438,000 | 657,000 | 803,000 |
| Pretax income | 1,165,000 | 2,256,000 | 3,351,000 | 5,403,000 |
| Income tax | 310,000 | 594,000 | 895,000 | 1,520,000 |
| Net income | 855,000 | 1,662,000 | 2,456,000 | 3,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,755,000 | 28,562,000 | 29,606,000 | 30,622,000 |
| Total capital | 30,892,000 | 31,899,000 | 33,126,000 | 34,268,000 |
| Risk-weighted assets | 285,124,000 | 299,953,000 | 299,539,000 | 298,132,000 |