Call reports 2004
STATE BANK — 2004
What 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 | 37,686,000 | 37,543,000 | 39,459,000 | 39,989,000 |
| Total loans | 32,651,000 | 32,216,000 | 33,447,000 | 33,221,000 |
| Allowance for loan losses | 232,000 | 237,000 | 237,000 | 237,000 |
| Securities available for sale | 1,546,000 | 1,407,000 | 1,572,000 | 1,409,000 |
| Securities held to maturity | 58,000 | 50,000 | 46,000 | 42,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,856,000 | 31,281,000 | 33,031,000 | 33,598,000 |
| Interest-bearing deposits | 25,094,000 | 25,963,000 | 27,566,000 | 27,500,000 |
| Noninterest-bearing deposits | 5,762,000 | 5,318,000 | 5,465,000 | 6,098,000 |
| Equity capital | 3,184,000 | 2,962,000 | 3,108,000 | 3,061,000 |
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 | 552,000 | 1,114,000 | 1,705,000 | 2,300,000 |
| Interest expense | 136,000 | 269,000 | 418,000 | 570,000 |
| Net interest income | 416,000 | 845,000 | 1,287,000 | 1,730,000 |
| Noninterest income | 121,000 | 238,000 | 407,000 | 521,000 |
| Noninterest expense | 382,000 | 761,000 | 1,147,000 | 1,598,000 |
| Provision for loan losses | 5,000 | 28,000 | 39,000 | 71,000 |
| Pretax income | 150,000 | 294,000 | 508,000 | 582,000 |
| Income tax | 8,000 | 15,000 | 25,000 | 29,000 |
| Net income | 142,000 | 279,000 | 483,000 | 553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,080,000 | 2,906,000 | 3,035,000 | 2,991,000 |
| Total capital | 3,312,000 | 3,143,000 | 3,272,000 | 3,228,000 |
| Risk-weighted assets | 31,335,000 | 31,294,000 | 32,543,000 | 32,019,000 |